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: no police report "no report = no case" Remember you once said it? The other party's insurace company could easily deny it, of course, so would the offender :-/ As for your own insurance company, they could deny it also at will unless you have full coverage. I made such a mistake last year for not calling a officer for report off highway at 3am, and I had every option exept the "one" that covered whoeseever's fault. Progressive didn't categorized it as road hazzard but my own fault :-/ Pissed and cancelled my policy.
Good luck and sorry for your lost.
Erick 
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