if they are the ones that hit your car then yes, they or their insurance are the ones who have to pay.
No.
Whoever the police report charges with the accident.
Your insurance company first, then, the police for a report.
File a report with the local police agency and report it to your insurance company.
Calling the police lets the victim file a police report to provide for both insurance and legal reasons.
Yes, you do not need a police report to file a insurance claim.
get a police report will out it you are screwed
get a copy of the police report. it gives you the name of other parties insurance company and policy number.
Once you decided to not go through insurance and not file a police report, you left yourself open for paying for your own repairs. Sorry you learned such a hard lesson. Never have an accident and not get a police report. The insurance company is not going to pay out based on someone's word. A police report is needed to file a claim.
If you have Comprehensive coverage on your Auto Insurance Policy then you will be covered. A police report can be made at any time after the accident. Bare in mind that the most frequent fraudulent auto property claims are usually reported as having taken place in a parking lot with no witnesses while a household driver check reveals unlisted drivers. Insurance companies have learned that an insured is less likely to file a fraudulent insurance claim if they know that in doing so they will also have to file a fraudulent accident report with the police. If your insurer denied the claim it may be because they didn't believe you or it may be that your Insurance Policy contract requires the report be made. Many Insurers are now requesting police reports in a loss situation.
Who was the tag number supplied by? Did you actually see the incident yourself, or are you relying on the someone else's version of what happened? You could try to report it to the police, but they may not take the report if the information you supply is questionable. The best course of action is to report it to your insurance company, with the information you have, and let them sort it out.
It depends on how smoothly you want the insurance claim to go. Generally, insurance companies resist paying if there is no report to the police.