1 - IM isn't a word, neither is "tho".
2 - this is a global web site, every state/country has their own rules. You didn't state whether you were cited or not (given a ticket), that will play large in the answer to your question. In my state, if you didn't have a permit, your ability to get one will be delayed due to your lack of regard for the laws.

How quickly would an insurance company call me after an accident?

I had rear-ended someone this past Saturday, just leaving a small scuff on the other party's bumper. He said when he got home he'd take a better look at it and see if he could wash it out, then think about calling his insurance. It is now Friday and I haven't gotten any calls. Am I in the clear? I know he would've had 5 days to put in the claim, but I imagine that if he were going to, he would've done it the following day. Assuming that that was the case, shouldn't I have gotten a call by now? Like I said, I know he could've just waited to put in the claim, but if he HAD put it in at the beginning of the week, would they wait this long to call? Ive never had to deal with insurance before and I just want to be able to put my mind at ease with this whole thing.

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