Hi, not sure if this will be the right sub for my post, if not MOD can you please move it to the right one if possible.
I was called by a stranger (A) this morning at a grocery shop, as he caught another person (B) tried to hit and run my car (parked in a proper park space).
The front bumper sort of come off and with some pretty obvious scratches. B initially denied he was responsible for it, although there were some mark with the same colour of my car on his tyre and he purposely moved from the space next to my car to a further space. There was some disagreement between A, B and myself until another person C involved and proved that A said it's correct.
B then claimed he must have missed the crash as his radio was loud and he's sorry for what he did. I took a photo of his driver license, his rego and his phone number. I then submitted a claim to my insurance provider which I might hear back tomorrow or day after. I tried to report this to my local police station but was told there's no need to report this as no one was harmed nor the guy refused to pass his contacts.
This is the first car incident I ran into in Australia, anything in particular I will need to do with dealing B and my insurance provider? Do I need to pay the excess fee if I was told by my insurance provider? Or B is responsible for all the payments? Do I get to choose which workshop I am taking my car to the repair or it is B's call?
Thanks in advance!!
EDITED: Thanks for all the comments, went through the PDS and think I am all covered now waiting for the call from my insurance provider. Truly appreciated what A has done, otherwise I will be paying a crap load of excess from my pocket. Stay safe!!
Congrats on having insurance. You have saved yourself a lot of stress, headache and money.
Depends on who you’re with. Some will still ask you to pay excess and will refund that once they’ve establish B is solely at fault.
Again, depends on the insurance company. Most will have a list of approved repairers that you can choose out of. You may also have options for a loan car. It should all be in your PDS.
Edit: you may get an offer directly from B to settle privately (not getting insurance involved), as tempting as the offer may be. I’d recommend against it, especially with someone who tried the hit-n-run routine.