Same here.
Had a rear-end shunt in September. Company dealing with it are waiting to hear from the other end - apparently, there is an insurance policy on the vehicle, but the driver wasn't named on the policy.
I've had phone calls from the person that hit me. They want to 'settle it like gentlemen'. Which I assume means I'll need to buy some duelling pistols. Either that, or they want to pay their way out of it all.
Now then - in that situation, would you charge them through the nose for the repairs, for it to 'go away', or would you hand out a life lesson to the twonk who drove un-insured?