My car was hit whilst in a supermarket car park. The driver who hit it left a first name and a mobile number. When I rang her she admitted blame and asked to not go through the insurance, to which I agreed. I got her full name and email but no car reg number, insurance company or address. I obtained an estimate from my local body shop guy (£420) and emailed to her. She emailed me back stating she would pay by bank transfer but it didn't happen. Since then she emailed to say it was too much and her insurance will deal with it, however, despite many requests for her full contact details, reg number and insurance company - she has failed to reply. I have a full email and text trail to prove the above. If I report it to my insurance company, I don't know if they'll be able to claim the full amount from her. Do I just take it on the chin, not inform my insurance and avoid a probable increase in next years premium?