Single-Car Accident, to report or not to report... that is the question.
I'm 18 have my own car (my name) and insurance (also in my name) I was driving home, and hydroplaned, hit the cement wall and guard rail on the highway. No passengers and no other vehicles were involved. The policeman that came didn't file a report, the damage isn't bad but I'm guessing its in the neighborhood of 2k. My car is being financed. I have full coverage insurance with a 1k deductible. My question is... 1. Am I legally obligated to report it? 2. If I repair the car myself will they find out and if so what are the consequences. 3. I'm freaking out and could use some help