So, I accidentally backed into a Jeep last night in a parking lot. Totally my fault. The owner was on a restaurant patio next to his car and totally saw what happened.
Scuff mark on his rear bumper, and his bumper shifted a little bit off the rest of the body. It’s a pretty new 2018 Jeep Cherokee. On my car, a 2011 Honda Accord, less damage, just a scuff mark on my rear bumper.
My insurance deductible for “Damage/Loss” is $200.
Now, if the Jeep owner gets an estimate on the repair and I pay it, almost surely it will be way more than $200. Even if I ask him to get a second estimate at my body shop guy, it’ll be way higher than $200.
Should I just contact my insurance company and file a claim? Under this kind of scenario, would I also have to pay the Jeep owner’s deductible?
Not sure who’s insurance pays what in this scenario, since this has never happened to me before.
Any advice is welcome. My inclination is to go through insurance for this.
The photos here are the damage on the Jeep.