RE: Will my insurance cover this?
The people didn’t want to stay because they’re car was fine, my isnt, and it was MY fault. I panicked and didn’t know what to do I drove off. I’m back in my city now and I want to know if my insurance will take care of it after I pay the deductible. I didn’t file a police report, but does it matter because it’s the same if I ran into something here and messed up my car right?
This would fall under ‘collision’ coverage on your policy. If you have a stated deductible, that strongly suggests you have more than state required liability insurance, which wouldn’t cover damage to your vehicle, but you were not clear about what coverage you actually have.
The location of the collision doesn’t matter, but failing to file a report with the local police COULD complicate the claim.