Report Or..not Report?
Greetings.
I was going westbound on Dupont street in a slow traffic when the other guy on the right lane flew past me, shifted in my lane and sideswept me.
My damage is on passenger side fender only, he got deep scratch on his very back driver side(but not on the side only).
My damage is under a thousand dollars, but the guy declines to pay anything claims its my fault, "there is a witness i speed up to hit him". Also keeps saying i "rearended him", when i really didnt.
I did go to collision centre. Whats my best course of action about insurance? It makes no sense to claim it since damage is below my deductible, isnt it?
Can i make it worse by not reporting to insurance? I called them to say I got in accident but other party is at fault and i dont want to file claim yet. But they said unless there's no claim- there's no claim.