nbr10,
If the other person "refused" to give you his insurance information, regardless weather he said he was going to pay for it out of pocket, he probably doesn't have insurance or had so many accidents that he was afraid he was going to lose his coverage. In most states it's against the law to drive without insurance. I respond to lots of calls for "fender benders" where a simple exchange of information form takes care of the matter but a lot of times when someone doesn't produce the proper documents, a computer pull of his/her drivers licence/tag/VIN usually comes up with other infractions that will cause a citation or arrest to be made. Hope everythig turns out OK for you.
