One time when my wife was in an accident, she called me and said the guy didn't have his insurance information. Luckily, I was already on my way home and not far - I told her to make him wait around for me. I tried to call the cops on my way to file a police report, but being 5 pm they were tied up elsewhere. When I got there and chatted with the guy, he made it seem like he had insurance but was from out of town, so he just didn't have it with him. I told him he was going to have to talk with my insurance company before he could leave the scene if he couldn't provide the details I needed and since there was no cop coming. I called Nationwide on the spot and explained to them what happened very briefly. I got the guy to admit full responsibility on the phone, and we parted ways. Sure enough, when Nationwide called me back later that evening to get my full statement, they said he did not have any insurance at all and had already called back to retract his statement. They said not to worry and took care of everything without needing anything else from me. I had the vehicle repaired that same week. That is what an insurance company is supposed to do for you.

And note to self: never admit fault at the scene if you're in an accident. Let the insurance company deal with it.