I’m just echoing what’s been said here but you’re being a class A idiot if you don’t go through insurance and the police. By not doing that, you’re making it harder for yourself and doing a favour for the person who hit your car, and they can still refuse to pay.
Be smart, call your insurance and the police. And let the process go smoothly from there. Ask your neighbour to be available for a call from the insurance company, as they’ll probably like a statement from a witness to confirm what happened.
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