So, someone hit my car today whilst it was parked and I was standing next to it. The wheels were turned so the driver hit the front wheel rather than the body of the car - visibly there is no damage but he was going pretty fast and it made quite a crunch sound.
No local garages can fit me in for an inspection until next week at the earliest but a bloke standing nearby had a (cursory) look and said that although he didnt see anything, there could be damage to the chassis or something. It's a new car and we have the finance contract for another 3.5 years so we're stuck with it if it does develop issues.
The old chap who hit me was a bit of a menace to be frank - he was going fast and pulled into the space quickly, then pulled out and tried to repark, almost hitting the car on the other side. He then claimed it was fine and nothing to worry about! He gave me his name and phone number but said he couldnt remember his insurers. My husband followed up with a call later but the man said he really really didnt want to involve the insurers and would pay cash. I'm not in it to make money, I don't want a payout, I just want to be covered in case the garage check next week discovers an issue.
What would you do in this situation? My feeling is it'd be mad not to report to the insurance company but our premium is already £1000 per year and, even though its not my fault and there might be no damage, the thought of increasing that significantly makes me feel a bit sick. Oh and finally, I understand I can do a 'notification of incident' rather than a claim which would mean I'm covered if issues are discovered next week.
Any advice very gratefully received, thank you.