Someone hit me from behind in a major street. His car is wrecked and mine is really damaged at the back. I called 911 and they connect me to the police station. The CHP officer did not create police report but he gave a card with case# and his name/badge in it. He said there is a more priority accident where it involves rollover/life that he needs to attend to immediately so he needs to go. Although I got a witness who came by. Also, the other driver told me he admit fault and he will settle with me and we exchanged insurance info/took pictures.
Now, do I need to call the other drivers insurance first to file the claim? Do I need to involve my insurance at all? Also, my back started hurting few hours after the accident. I don't want my premium to go up since I'm not at fault. Pls advise!
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