So I was in the queue for McDonalds Drive thru last night and felt a very light bump to the rear of my car. Got out and sure enough the man behind had tipped the rear bumper. My car was stationery and he must have momentarily lost concentration.
I obviously went to the rear of my car to check the damage. There didn’t seem to be any on first inspection but I later discovered two small cracks where the screws came under pressure.
The other driver got out and before I said a word started to tell me I had a “rotten attitude” and “it’s just a small tip” etc. I said to him that it looks ok but I will take his details in case there is damage. He continued to act aggressively, as if I was the one who was at fault. I took pictures of his car and his insurance details etc. He was still complaining so I said that my car was not moving and you are the one who is at fault so stop acting like I’m being unreasonable.
I got in my car and continued on through the drive thru. I did see him in my rear view mirror taking a picture of my registration plate.
I have to call the insurance company in the morning but I’m kind of conflicted. I know I’m in the right but if I report it his insurance will go up, possibly by a large amount. The damage to my car is minimal but at the same time the cracks in the bumper could potentially get larger with time.
I will be reporting it to my insurance company anyway, but I’m wondering if I should make a claim or just leave it. I’m leaning towards making a claim because of his attitude toward me and rude behaviour but at the same time I wonder is it more charitable to let it go.