I was at my vacation house in Indiana when this occurred, but I live in Illinois. No other party was involved in the accident, and my car has little to no damage. If I don’t file the claim, would I just pay out-of-pocket for that person’s repair?
Since there is no damage to your vehicle, you would not need to file a claim. However, the person that you hit has the option to file a claim. You can offer to pay for the damages out of pocket to avoid the accident going on your record. Ultimately, it is up to the other party as to whether or not they wish to go through your insurance company or not. If they do file a claim it can impact your rates for up to five years.
If you have any other questions, don’t hesitate to ask!