Someone backed into my car a month ago. I was able to speak to a claims person very quickly when I went into the office. However, I was given many different answers when I asked if making a hit & run claim would affect my insurance premiums. I was transfered like 20 times from department to department only to find out that if i went through insurance, to one of their "pre-approved" body shops I would get a generic bumper cover, not a moulded cover like the one that's on there now. I've already arranged to switch insurance companies after my bumper is fixed.