sometimes its best not to involve insurers.....is you bumper expensive to replace or repaint, out of your own pocket, the problem is the other driver has your details......i had simalar small accident two years ago , the other driver got my details (i volunteered them to him) , he didnt give me his, i never contacted my insurance, i never contacted the other driver, him with no name ??? , seven months later his insurers , through thier own enquiries contacted my insurers , ----- the reply i gave to my insurers , "was the person driving my car on that day over 7 months ago, wasnt insured on my policy " , so my insurers were not liable , the other driver (with no name, never reported to the police), so it was unlikely that after 7 months the police would come knocking on my door, thier were no special circumstances attactched to th accident, no one was injured, no assault (road rage) , my NCB remained in tact, superficial bumper repiar needed minimal, the other party, had to fork out �175 --excess i was the bill , on his repairs, front grill damage only, labour and paint � 500 + , as i said sometimes its best not to involve insurers, ok i used evasive tactics...i wonder if the other party ever rememebred his name .......