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The following are some things that you may not have considered. Do you have Uninsured Motorist coverage on your vehicle? If so, that might be an option. Get your car repaired correctly and have your insurance company go after the other guy. I'm not suggesting you lie, but volunteering information that suggests you were speeding is not recommended.(If you're CERTAIN that you were, you can do the noble thing and admit it, keep in mind, your admission will NOT help your cause and it will be used against you). Also, since there was only property damage and no bodily injury, it's highly unlikely an officer would have responded had you contacted the police. Just curious, has the other driver contacted you in regard to personal injury, or damage to their vehicle? One more thing, you can take the other driver to Small Claims Court and receive a judgment against them, but that doesn't guarantee that you'll ever see a penny. A lot of uninsured driver's don't have anything to lose, hence the reason they don't carry insurance. I would check your insurance policy to see what options it provides (if any) and go that route. That's what YOU'RE paying insurance for. If you're able to submit a claim your insurance company, remember there's the possibility they'll raise your rates. Unfortunately, sometimes it's cheaper to fix the damage yourself and save your insurance for the "Big" losses.
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