I think a lot of ppl think that insurance covers everything. Those that think at all, I suppose.
Bo, that sucks. I feel for you. We had someone ding our rental car earlier this month in a car park. We had insurance, but we still had to cough up another $100 for the deductible.
I had another instance a couple years ago where someone cornered our car in a lot. Some conscientious person actually watched it happen from their car, wrote down the licence, took a photo & then, after they were sure the gal was really leaving, they wrote down all these details & left a note w/ their number on my car. This was very helpful for contacting the insurance co.
If you want to help catch these ppl and keep insurance costs down, I recommend you do this. Its very easy these days with cell phone cameras, you need not confront anyone directly.
And to anyone who might think of taking off: I wouldn't. For the same reasons, you don't know who might have seen you. I think the insurance co also went after some kind of hit & run charge for the gal who dinged our car.
The moral: not all ppl suck, there are still some decent ppl out there.
Second thoughts can generally be amended with judicious action; injudicious actions can seldom be recovered with second thoughts.
--Cyteen by C.J.Cherryh