I’m hoping to get some advice on what to do...
This afternoon I was in a store parking lot parked in a spot finishing up a conversation on the phone and a truck pulled up next to me turned off the engine and the passanger was getting out of the car and the door swung into the side of mine. With all the wind we have been having lately it left a 3.5 inch crease on the side.
I’ve never been in this situation before so the first thought was to call the police and exchange information with the other car. The other party and I started talking and were pleasant with one another while I attempted to get my boyfriend on the phone to find out what he thought to do since he is the main policy holder. After looking at the photo my boyfriend determined that we need to collect their information because it looked pretty bad. So I went back in my car to get all the information and my license and the other party got back in their truck. I went back to their car and the driver informed me that we shouldn’t go through insurance and we can handle it out of pocket because it will be cheaper for us all. I said well I still would like both of your driver license information and the driver wouldn’t give his and suddenly the story changed to this wasn’t actually his truck and in fact it was his aunt’s and it was not insured. I just became very untrustworthy of the situation so I decided to still call the police to make a report because I wanted proof of what happened. The officer said that this was more of a civil matter, but he will go through the formalities of writing a report.
I have the passengers information that actually swung the door open and a police report number. When I called our insurance company apparently we don’t have coverage for this type of incident. They offered to do a background check on the plate of the other party to see if it is indeed insured as a courtesy. At this point I’m not sure what to do. The woman admitted she did it unintentionally and myself in one witness saw it, but I don’t know how to collect on getting this repaired. I am going tomorrow to get estimates at 3 different body shops, but after that I don’t know if we should call her with these estimates or seek someone from the legal field to contact her with the estimates etc?