If you are at fault but there was no police report and the other driver was driving someone else's car and they have no insurance and a suspended license will your insurer or you still have to pay?
Most insurers are really going to want a police report before they pay. I suspect that the owner of the car is going to find some way of getting their car fixed. If they have the details about you, they are either going to approach your insurance company or you for compensation. They can file a police report, but usually the police want both parties to be present.