I came back to my car this afternoon which was parked on a public road to find a kind lady putting a note on my windscreen , she advised me she scrapped my rear bumper while she was parking her ute. The damage is minor, some paint missing and a small crack But the bumper will have to be repaired and repainted, my car is a 15 year old mercedes clk and I have fully comp insurance.
I have the following .
A note from the lady telling me she damaged my car with her name and number on it . a copy of her driving
license and a copy of her insurance policy.
My question is do I go direct to her insurance company (racq) to make a claim ? or just go through my own insurance (woolworths) I am concerned if I claim of my own insurance that it might increase my insurance premium on my next renewal .