Hit and run

Get an estimate. Chances are it'll be cheaper than the amount your insurance would go up if you report it and let them pay for a poor repair job.

Compressive DOES NOT cover any damage caused by another vehicle even if it is parked. That is covered by collision. Comp is for acts of god, fire, vandalism and theft.

----------------- TheSnoMan.com

Yes you should report it.

Why is there a question?

Jamie Mello wrote:

Report it to the police. It was a hit and run on property.

You are not required to report it to your insurance unless you want them to pay. How much is your deductable, how much may your rates go up, and how much is a new bumper? If you have a stock bumper you can pick one up cheap. If its a fancy rear swingout, well, that will be spendy to replace, but maybe still cheaper than going thru your insurance in the long run.

Personally I would report it to the cops and suck it up and either live with the dent (if its not too bad) or replace the bumper - maybe with a used one.

-jenn

In some places like Alberta Canada, there is/was hit and run/uninsured driver insurance as part of your plate registration. You need a police report and report it to the government. Not many people knew about it though, but I used it with success after a parking lot crunch.

The odds are good that the person will return at some date so if the police report is already in, you can then just call and say you see a wanted hit and run driver, come get them!

Then you should phone your insurance agent and ask them what the policy is. Some cover hit and runs also with no penalty, some don't. Some might even let you apply the money to an 'upgraded' bumper that is way harder to damage....

Just my $0.02,

Mike

It's optional coverage from your private insurance company here in Colorado. I think you are talking about an "upgraded" bumper that is more likely to damage other vehicles. Heh, heh. Stock bumpers, like crush zones, are designed to minimize personal injury while at the same time maximizing parts sales and auto body shop receipts. I have to laugh at the plastic bumpers on my Hondas, but your advice to "upgrade" the bumper is not politically correct.

Cheers,

Earle

Very similar here in BC.

As well, if you are hit by someone and the Guv'mint (they basically run the insurance industry here - the ICBC) can't determine the guilty party or if they somehow find /you/ at fault, you can pay for the repair yourself and it will not affect your rates.

Which at today's exchange rate is $0.02594

;^)

Ok I will do that. Thanks Mike,Square Wheels. Thanks again Jamie