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I have Geico. $250 deductible on uninsured motorist and comprehensive but $2,000 on collision. Never had an accident or filed a claim. A Geico rep told me that in Atlanta hit and runs take place all the time: in parking lots, even on interstates drivers will bump you and keep going. How do you file a police report if that happens?
Back in October, while I made a sharp turn at a light, the other driver crossed the line and rubbed my left alloy wheel. As soon as I stepped out, he talked me out of it and was in a rush to leave. Had I seen damage, I would of called the police. As I drove off, I noticed mechanical damage. Geico told me they 'just' need a police report but don't have one or the other car's tag #. There was a camera. I don't even know how or where to file a late report.
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