guys i just had a accident few hrs ago.. i decided to consult sajhaites before i do anything...  A middle age white lady hit me on back of my car and we pulled over to the sideway  and we talked and was about to share each other insurance info but suddenly she gets on her vehicle and runs away... i chased her for few mins and finally convinced her to pull over to the side of a street... I called 911 and a sergeant arrives and i insisted him make a police report but he denies saying that nobody was hurt so there is no need of report and told us to come to the agreement mutually without going to insurance and police.. however, i was able to get this form from him where i could fill out infos and report the incident to the police department after 10 days if we couldnt come to the agreement.. that officer was suggesting  not to report to insurance as it will increase premium of both... I told both officer and lady that i am not gonna report her for hit and run which could be devastating for her. i said lets report this to insurance and they will take care of my car...   so basically police wasn't helping the case.

 my thoughts is if there is no police report made then how can i prove that it was her fault... if she doesn't admit it.. she has hit and run away so she  can't be trusted....i do have the pics of both vehicles taken and we have shared information of both parties but i don't know how should i deal with this... she tells me that give her 3 estimates and she will pay the median amount from her pocket it would be great but i am not quite sure about that... i don't know if i should report it to the insurance or i file a police report in 10 days.. can u guys help me here plzz...


thanx for your time ....