<prompt> Human: Im not sure if this is the right place to be asking this, but Ive come to trust the advice of rpf very much.A week or two ago, I was involved in a not-at-fault accident in which I was stopped at a light and was hit in the bumper by a distracted driver. At the scene, the man was very impatient, and after handing me his vehicle registration NOT his insurance paperwork, sped off without saying much. I did call the police, and the officer told me that since the driver made an attempt to exchange information, it was not a hit and run and basically there is nothing he could do, which I understand.I called my insurance Geico, and they were able to identify his insurance company though his VIN. Then, I get a call from his insurance Progressive, and they tell me that an investigation into his coverage is being conducted, but that he most likely will not be covered by his policy.I think, good thing I pay for uninsured motorist coverage, but as it turns out, my policy only covers bodily injury. My own fault for not understanding my policy correctly. However, I do have collision coverage with a 500 deductible.I should mention that the other driver seemed to be moderately wealthy. He drove a luxury car and based on his home address, lives in a very fancy area of the city.My questions:1. If I activate my collision coverage, will my rates go up even though it was a not-at-fault accident? The agent said she could not answer this kind of question2. Geico said that if I were to activate collision coverage, they would do their best to recover the deductible. What is my realistic chances of getting it back?3. Progressive told me that there was no need to file a police report, is this true?4. What would you do? Whats the best course of action?Thank you all.  <response>: His insurance said dont file a police report? First rule of insurance negotiation is not believing a single thing the other guys insurance people tell you. Cover your ass and file a report. You might even want to mention that you were told that the other guy is driving without insurance.You can pay for the repairs yourself and attempt to recover the costs in court or you can go through your insurance. If you go with option one it would be good to have a police report to take to court. 