You should be covered by your own insurance who turns to the other driver's insurance to get back the money. And your insurance will send you the money even if

You should be covered by your own insurance who turns to the other driver's insurance to get back the money. And your insurance will send you the money even if the drivers is not known, provided you have called the police so that hit and run is registered. So that photo isn't usually necessary although it helps your insurance getting its money back.