At a mall 25 miles from where I live, while making a left turn at a light my alloy wheel made contact with the other driver's front bumper. I stopped to check for damage and couldn't see it. The other driver crossed the line and it was his fault and he took off. I made the mistake of not calling the police or writing his tag #. After driving I noticed a misalignment and the a/c making noises. Can I file a claim just by calling the insurance company and them taking my word for it? The only evidence was a short stretch of rubber I cleaned off. Will insurance send an adjuster? How do I obtain a police report? Is that covered by collision or uninsured? It's frustrating when no one can see any evidence of a collision to show the police or adjuster. How do I get the other guy caught?
You mesed up badly. Very badly. No matter how minor an accident you ALWAYS stop and call the police.
It is very unlikely that your mechanical problems have anything to do with an accident, so unless you are sure you can prove that the accident happened and caused the problems, don't risk a charge of insurance fraud, a denied claim, and getting your insurer to drop you. Even if you can prove the claim, and the insurer would require a police report, your collision presumably has a deductable, and you'd eat that just to get your insurance raised or cancelled. Note that if they suspect fraud and report that in an insurance database, no company may touch you later.
Based on the facts provided, there is no way to catch the guy who hit you in the absence of obtaining his tag number or calling the police the date of the incident to give them a description of the make/color of his vehicle. Also since you did not report the hit/run on the date of incident to the police it will look suspiscious to your insurance company. In this economy more than ever, insurance companies are dneying claims based on alleged fraud. I agree with the response below that the risk of an insurance fraud claim combined with the likelihood of either increased premiums or insurance cancellation is not worth pursuing the claim without any proof.
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