might want to give your insurance guy a heads up on this..Just in case..I know you didnt get a plate and you had no damage, but you never know whats in someone else's mind on done the road..Maybe even a police report..just an idea and sometimes more complicated opening your mouth to all the paperwork...but would be in the record in case..
my son the insurance investigator, commenting on an 'accident' a friend of mine had (he didn't know there was an accident until he got a letter in the mail from Houston PD advising he was a suspect in a hit and run) :
>In some cases, you'll have people who pick a license
> plate of a vehicle which looks well insured and report
> they were struck by that vehicle. Sometimes they'll
> conveniently have an "independent" witness lined up
> who saw everything and can attest to the accident
> taking place. They'll report it to the police to be
> sure they appear to have their bases covered.
> Generally (especially in Texas), the police aren't
> well equipped to investigate possible insurance fraud.
> They'll investigate this is a hit & run and decide if
> enough evidence is present to charge the "offender".
> However, they may not have the resources or motive to
> fully investigate the person who is making the
> accusation.
>
> I would immediately report the accident to my insurer.
> Explain all the circumstances and allow them to
> investigate. They have special investigators who have
> the time and resources to investigate the accuser and
> see if there are any prior claims issues with any
> insurer which suggests fraud may be afoot. They can
> investigate whether the accuser and any "witness" had
> a prior relationship. I had a paper accident about a
> year ago where we discovered a passenger in a truck
> who was claiming extensive accident related injury had
> been an independent witness in an accident involving
> another insurance company about 9 months prior.
>
> I know people don't want to report accidents to their
> insurer if they don't feel they did anything wrong,
> but their insurance company is there to act in their
> best interest and not to just pay 3rd parties when
> claims are made. They devote more time and energy to
> investigating these things than law enforcement is
> generally able to, and auto insurance exists to
> protect the interest of those they insure. Sometimes
> this means paying 3rd party claims, but often it means
> denying them and going after the other party.
>
I know not the same as your incident but info only on the 'witness' thing...
my 2 centavos...
Mike
*********
I took my 8 lbs hammer and with two wacks the mud flap was good as new...LOL.
