Not sure how your insurance company works (or how insurance law is in Florida, I assume shitty because it's the USA and the insurance companies enjoy screwing people), but my insurance company doesn't make me pay a deductible and doesn't find me at fault (which means my premiums cannot legally go up) if I file a police report within 24 hours. That's what I did last week when someone hit my bumper and didn't leave any information.
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