<prompt> Human: I was rear ended last night while in Cambridge, MA. The driver hit my car while I was pulled over with my blinker on, and kept going. I followed the car, honked the horn A LOT for 30 seconds or so, and got no response. I called 911 and followed the car until it pulled into a parking lot, and a Cambridge police officer came and wrote an official report. The woman apologized and said she had no idea she had hit me because she had a lot of stuff sliding around in the car. She might not be lying, because she made no attempt to evade my car, and she pulled into a parking lot where a bunch of friends met her and were obviously expecting her. There were 3 people in my car and she was driving alone. I am 100 certain that the three in my car are not injured in any way. I dont think shes possibly injured, either. I have 5 days to fill out the accident report. I received a call this morning from the woman who said she was driving her husbands car and she is not insured on the vehicle. She says she wants to pay cash for my repair and doesnt want to go through insurance if possible. What are the possible outcomes of going officially through insurance vs not? If she is not insured on that vehicle, does going through insurance have a possibility of me being on the hook for the damage? In this situation, I care roughly 99 about getting my car fixed and not paying for it, and 1 for this womans troubles, especially since she hit and ran me knowingly or not. EDIT: dont know how I forgot to mention the damage, sorry. The rear left part of my bumper is cracked. The taillight cover is cracked, but the light still works. The bumper has been popped out a bunch. There are scrapes along the side panel behind the rear passenger door. There is definite damage, so its difficult to believe that she didnt realize she had hit my car. UPDATE: For those who advocated, I would have liked to do a fellow human being a solid, but I didnt feel safe taking the risk of trusting someone who had already demonstrated their untrustworthiness. I went through insurance and filed a claim. Thanks to all of you for your advice!  <response>: Rear ending a vehicle hard enough to do any noticable damage is going to jar your brains out. She knew she hit you. You dont walk into a wall and not notice it. I really, really have an issue believing what she said, and as others have said, as long as her husband has insurance on the car they will pay out. Their rates will get jacked up a bit but screw them, she hit you, attempted to flee the scene, and has been nothing but dishonest. She has given you exactly zero reasons to make this easier on them. 