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      02-19-2006, 02:39 PM   #4
3aficionado
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Drives: 02 M3/RRover Super
Join Date: Oct 2005
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Absolutely still do the police report. If you need it in the future (insurance or otherwise) it will be there. If you don’t make the report there is no going back to make one.

You will need the report if it turns out this kid has insurance. Or, if you use your insurance you can hand over the police report and let your insurance collect from the guy.

Talk to your insurance agent (unless you are with one of those 800 number places). He/she can give you great advice on whether to make a claim based on your situation. It all depends on the cost of repairs, your deductible and how your insurance treats these types of claims (rates rise or loose no claim discount?).
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