Im not sure about the whole insurance thing but im pretty sure Im covered. At least the rep. on the phone was talking like I did. They are going to appraise my car tomorrow. BUT, I will have the other guy's insurance information on the police report. The cop said i will be able to file a claim against him. He shouldnt have stopped at a BP a mile up the road. Too bad the guy who followed him and took his tags was too scared to confront him.