if the other party dun file a report on their side, ur insurance
company would get the other party's insurance company to ask for
the other party to file a report so that they can decide the
liability percentage by comparing reports/ lawyers fight it out. in
this case, if the other party dun cooperate by filing the report,
the insurance companies lan lan just keep sending him reminder
until he wanna settle lor -> waste time only. in this case, the
only way to get him to settle is to initiate a civil summon to
compel him to attend court, engage lawyers to fight the claim in
court -> waste time, waste money.
meanwhile, if it was indeed his fault, he would have happy happy go
repair his car out of his own pocket. no proof of accident to back
up anyone's claim liao. nothing to affect his NCD or
premiums.
how bad was ur accident? IMO, under those circumstances, its 50/50
based upon ur version. likewise, insurance will likely settle at
50/50 liability if they find conflicting reports from both parties.
in this case, both of u will lose ur NCD and ur premiums will both
increase. could have well been a better option to settle on the
spot and agree to repair ur own vehicles rather than lose the
above.
i would have taken the photos, go to traffic police immediately,
lodge a report against the guy for dangerous driving/ hit and run,
send e-mail/see MP to compel immediate investigations citing that
the guy has intention of repairing on his own to evade ownership of
accident (since he would not have lodged a report). the police may
or may not eventually act on the case but at least
circumstantially, it is deemed that the other party is more
culpable.
