About an hour ago on my way home from work, I was rear-ended on the freeway. Earlier, I had noticed the car in back of me weaving aggressively, and I made a mental note to be careful. Unfortunately, there was a slow-down on a curve and BOOM, I got hit in the rear bumper.
After we pulled off the freeway, the driver came up and asked if I was all right. She was very agitated, and kept looking at the damage on her car. Fortunately, there wasn't a lot of damage to my car, but the back bumper piece had a huge dent in it and was hanging off the car.
"I don't have a license," she told me. She told me that she had to go before the police came. She said that it wasn't her car, and gave me the name and phone number of the owner. "Call him right now," she said. Then she got in her car and peeled out of there like a bat out of hell.
I've never been in an accident before, so I called my insurance company to make sure I didn't have to call the police to come to the scene. They said I didn't, and I started to file a report. I wanted to get off the side of the freeway, so I told the insurance company I'd finish the report later, but I haven't told them the name of the owner or license plate number of the car yet.
My question is what should I do when I call the owner? I don't know if he even has insurance, and I imagine he'll want to take care of it off the books (assuming he actually exists). Judging from the appearance of the woman who hit me, they might not even have enough money to pay for the repairs.
Should I just go through my insurance company? I can't imagine that she could get in trouble for driving without a license from just my report. Should I decline any offers by him to take care of it himself, since he probably doesn't have the resources or the intention to pay me?
Why oh why couldn't I have been hit by a Lexus?