|
Sorry this happened to you - but just to be safe, I recommend a few things:
1) Any eye witnesses? Get their contact info and statement. No witnesses? Check for any video recording equipment that businesses may have had. If they offer it up for free, great, if they charge for it, get a receipt so you can get reimbursed by insurance.
2) Go to the police and file a walk-in accident report. Even though the accident was on private property, it's best to have a report filed.
3) Contact your insurance company to let them know what happened. Even if you don't file a claim on your own policy, you want them to be on notice in case the other party decides to make a claim against your policy, even if its the same carrier.
What you do from here depends on if you want to make a claim against the other party's policy, your own, or just pay for it out of pocket. Either way you take, make sure you did the above suggestions. I understand you may want to avoid taking a claim against your own policy, but you have no guarantee that the other party won't.
|