On the way home after my husband picked me up from the airport, we were rear-ended pretty hard (the guy didn't even try to stop, my husband said he was talking on the cell phone). He begged us not to call the insurance company, which we haven't yet - he didn't want the police either, but I wanted to make sure we had an incident report. How long is okay before waiting to call the insurance company? My husband was going to wait and let the guy make payments if he wanted, but I don't agree (and now my husband agrees with me). I said maybe by Thursday he should pay, otherwise we need to call. The bumper itself is $540 or so, but that isn't the retail price nor would it include the service. We may be able to get it done for $1000, but I don't know. I just want to make sure that we aren't out anything. Does anyone know how long it is okay to wait? I figured a couple of days should be okay, but not longer. I don't want to be hard on the guy or anything (though personally, I think he might have had a drink as I saw him move a cup and what looked like a can to the trunk from the front seat floor area). Of course, it might have been an old can - but I don't know that. I just want to make sure we aren't out anything more than we already will be (as far as time, gas and such to get this taken care of). Thanks!