Your best bet would be to consult with an attorney, that is my first and final answer, but you may wish to read on.
Did you call the police, and when they arrived, whom did they find at fault? If no police were called, you may not only be in violation of the law, but chalk it up to lessons learned that regardless of Insurance company policy, if you want to get paid for damages, then you call the police (so there is a written report of the accident on file vs. it being your word against theirs).
While it is highly possible many people misunderstand the concept of a no-fault law, after reading through some articles, it would appear the law was created more in an effort to stem the senseless flood of ridiculous monetary compensation lawsuits than anything else, so it acts as a cap on the total liability, and not a way to get out of liability.
I myself have never heard of this crap where you can just hit someone's else's vehicle and not be held liable, and it makes sense it has to do with a cap on the total liability vs. 'we just dont have to pay.' But, you need a police report or you could be sol if for no other reason than without police presence, it has been my experience it's never anybody's fault, so there's no defining who was really at fault without a report.
Either way, bothering hourly insco employees likely is a fruitless search, I would highly recommend you consult with an attorney, or if nothing else get someone who can speak this out in clearly defined english so as to get this Insco off their butts.