Some w****r went into back of me while I was stationary today. Damage is minimal but he refused to give me any details. Traffic was absolutely gridlocked so I figured it was pointless phoning the police as they would never get to us. I phoned the police and they said to take all my documents down to the police and they will give me a reference number to forward to my insurance company. My insurance expires at noon tomorrow... Considering I already have a huge claim - is it worth chasing it or should I just let it go? I have literally 12 hours to decide and make the claim... If I claim, do I need to declare it as a claim even if it wasn't my fault? What are the implications as there is already a pending claim on the policy... If it gets repaired, does it become a category C? I can't even take it to a repairer as the policy ends tomorrow and I don't plan to re-insure it. Literally the last hour of driving the car and this happens. What are the odds, eh?