Some idiot reversed into me and drove away - Claim my insurance?
Long story short i was in a supermarket car park driving up the main isle and some old idiot (old i got from my witness) reversed straight into me damaging my back drivers door and my back panel & bumper. He then drove off super fast! I got most of his registration but never got the last letter. Is it worth claiming on my own insurance? I have protected no claims but the guy from my insurance company says that dosnt mean my premium wont go up. In his opinion my premium will go up next year the repair is about £300 my excess is £100 is it worth paying it out my own pocket and keeping my premium down or should i just claim through my own insurance?