Minor accident - should I settle or make an insurance claim?

The towbar of my car caught the number plate of a car parked behind and pulled it off. There was no evidence of other damage and I left a note on the car's windscreen with my mobile number. The owner has made contact and has had two quotes for £450 and over £600 saying that there was damage to the bumper behind. Should I settle with him or get my insurance firm involved?

Asked on 27 February 2016 by Paul Shouksmith

Answered by Honest John
Settle. You have no choice. Some idiot once reversed into one of my cars with a towbar on the back of a Shogun. It caused £1500 of damage. If you aren't actually towing anything, take the towbar off.
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