This mornign on my way to high school with my brother i was rearended. I was waiting to take a left turn and he skid into the back of my car.(it was raining and roads were wet. We excange insurance info and decide not to call the police because i hadd to goto shcool and him to work. The only things messed up are the bumper which is bent down like 1/2 an inch, lots of paint off the bumper, exhaust pushed/bent back, tow hook bent and the trunk doesnt seem to want to open without a bunch of pulls of the lever. I call in make a claim then the last thing the lady tells me is that the guy purchased a progressive policy but doesnt have progressive insurance..Anyone know what this means exactly?