Basically some **** dropped his ladder and put a major dent in my car door as he walked by. Three independent witnesses saw what happened and have given me their details BUT the SOB refused to provide any of his info, when I confronted him he denied what had happened!
HOWEVER I did manage to get his car Registration but I don't want to affect my No Claims if I can avoid it.
My insurance co. have said I would have to claim against my policy and they would then in turn seek civil proceedings against him. I have drivers legal cover which only applies in an RTA and legal expenses cover with my B&C home insurance (dunno what that's for)
Anyone been in a similar situation or know what i should do?