Sorry for your troubles Tony.
The problem with no police report is the perpetrator could now call in and claim you backed into him and/or fled the scene of property damage and/or whip lashed his passenger (or whatever he thinks serves himself best). And some ins co's won't pay diddly without a police report.
Course if you got good digi photos at the scene, they may prove it all, mostly.
Many years ago, I had a couple (very) small benders where we both didn't want to call the cops, and whoever was at fault paid like they said they would (once me, once them). Some people can be honest and trustworthy, but it's hard to tell when you only have 15 minutes with them.
Sometimes in VA, if the accident is small with no injuries or major property damage, and there are no cops available, a report can be phoned in. I think both parties talk. Never done it myself.
Hopefully, you got his ID, plate, make & model, phone #, yada. If your ins co pays for your damage, they are usually entitled to subrogate your rights as wronged party against the perpetrator's ins co, to get their money back. (Unless you live in one of those terrible no-fault states, then God only knows how it works.)
PS: I was on Cape Cod many years ago, and man I am really glad I was not
rear ended. There was a lot of that going on in Provincetown. I got asked to dance there almost as often as in Key West.
