Some quick background. I got into an accident with a truck. I do not have insurance and do not have a dashcam. The nature of the accident has made it hard to determine who is at fault. Contacted the truck company and asked if I can have their dashcam footage to determine who is at fault as I was sure I am not at fault. Apparently, He did not save the footage and it is gone. I did not chase further and repaired my car.
Yesterday I got a voice message saying that they are from their insurance company and ask me to call back to sort out compensation for my damage. Good news. However, when I went to the repairer they offered me to repair this off the books and I would not need to pay gst. which will be cheaper for me.
My concern is, since I repaired it off the books, will I not be able to receive compensation?
I am thinking maybe I need to call the repairer to put my job to the books and I will pay for gst so I do have proof of repair.
Or should I just contact the insurer?
what do you guys think I should do?
*Note: I have not call back the insurer. and for those curious how the accident happened Paint Drawing
TLDR; Got into an accident. Do not have insurance. Repaired my car on my own expense (off the books). Their insurance called to sort out compensation for my damages. Concerned that compensation will not go through.