Join Date: Mar 2010
Location: Sahuarita AZ USA
Car Year: 2018
Car Model: SJ Forester 2.5i Ltd
At this point I would report it to your insurance company and let them pursue whether the driver at fault has insurance or not. Just because you report it to your insurance company doesn't mean you are filing a claim. Make that clear to your insurance company. If your insurance company discovers that the other driver is insured, you can pursue your claim directly with his/her insurance company and leave your insurance company out of the claims process. If the other party is not insured, get a couple estimates on your own and decide whether or not it is worth filing a claim with your insurance company.
The above assumes you are not in a no-fault state.
2018 2.5i Ltd FB25 CVT; 2010 2.5X Ltd EJ253 4AT