<prompt> Human: this accident was under special circumstances and Im not sure what to do. So Im waiting at a red light in the left turn lane. The arrow turns green for the left turn so the car in front of me and then I went. I was a good 20 feet into the road when a car pulls out of a McDonalds and clipped my back right side above the wheel. We both pull over into an office space and got out of our cars. I pulled my phone out to call the police but the woman begs me not to call because she doesnt have a drivers license but said she will call her father-in-law to deal with the accident. So about an hour later, the father comes and I get all of his info down and he tells me that he would tell his insurance agent it was his fault as thanks for not calling the police. I took his word for it Yes I know. Dumb move on my part. I filed a claim under his insurance and got a call from his agent the next day to take my statement and mentioned that he would admit fault but the agent said that he didnt say anything about it. So my question is should I tell the agent who was really in the car? Would it make a difference? Or did I just screw myself?  <response>: Yes, you should tell the agent what happened exactly as it happened. Its not your fault she was driving without a license. Its not up to you to be a good upstanding moral person right now. Your property was damaged by an unlicensed driver. Tell the agent what happened otherwise you risk not getting the damaged fixed at all for bullshitting the agent. 