[JimD]

I had my other vehicle hit in a parking lot several months ago. The other party did not leave a note and I didn't notice until a day later (it happened at night). I've also had a wreck where the other party was at fault. My insurance advised me that the wreck would count against me on rates unless I just handled it myself with the other insurance company. That was pretty painless. I'd give it a try, at least.

A potential issue is who does the repair. Some insurance companies have their list of who they will pay for, others want you to get multiple prices, others send you to their claims center where they give you a quote and if you accept a check. I'm not aware of any that authorize a dealer. They might not be the best qualified too. I've had pretty good luck with 3rd party work and many will provide a lifetime guarantee (good for as long as you own the car).

Good Luck.

Jim