Yup - what he said. Make sure your gf files the report at the reporting station within the required time(24 hrs). Hopefully you have all the info on the person that hit you / her. If they happen to not have insurance (like they quit paying the bill after they got the slip for the full 12 months), um it gets interesting. I have the (mis) fortune of doing this as a part of my job - feel free to pm me if it goes sideways. I know a few people who can help. On the bright side, if they all have coverage, your insurance company will be able to subrogate the dude 's who hit you. With a fight, you can keep it off your record. We had a guy T bone us and roll us ove a few years ago r. I had to educate the underwriter a bit at renewal time - but we got no increases as a result.