Hello All I was awoken this morning to find a Rover had ploughed into the back end of my car that was parked outside my house. The guy just missed my neighbour who had been to the shop. He sped off leaving my car severely damaged. I have reported this to the police and officers are on their way. The problem I have is that I am only covered with a TPFT policy. I did get his registration number but if the police cannot trace him or they do and there is no insurance - will I have to pay the cost of the repair to my car out of my own pocket? Thanks