
Excess $2300, quoted damage $7200
What are my options to go directly to the other party vs going through an insurance claim.
These are the images of the damages
https://imgur.com/a/oTrRgPV
The quoted damage included things like “boot lid badge, left and right hand light panel, left and right hand rear quarter panel” none of which were hit during the incident. We’re talking a scratch on the bottom bumper because the taxi in front decided to stop mid u-turn with a bus oncoming.