That is pretty low-class when you think about it! I am guessing that perhaps your person did not have insurance himself. That's too bad! I have no idea what's wrong with people bad feel that they are above the law. Good luck to having it repaired with no hassles.
Apologies for and almost 0% voting power so I Leave you with a tip instead.
!tip
Thank you my dear @dswigle for the tip and the comment.
It's always my pleasure!