If your insurance has to pay for the damage, there go your rates. You are so lucky they left a note. Almost ALL unwitnessed damages are never reported to the owners by the guilty party. I had a truck back over the front of my car. How did I know it was a truck?? The damages (flatened hood, broken headlight, bent fan) could NOT have been caused by a car. It had to be higher.

Anywho, I'd call and work it out with him. Let HIM call his insurance company. Why should you be penalized by what someone else did.

Most importantly...FILE A POLICE REPORT!!!!!