Hi Everyone, unfortunately my neighbor backed into my car today and made quite a mess of the driver's side door. Fortunately no one was hurt and she didn't have her kids in the car. She was on her way to work in a hurry so I got her insurance company's phone number and we went on our way without calling the police.

I called my insurance company who said if I file through them I would have to pay the deductible then they would pursue it with her company. The lady I spoke with also seemed to indicate she couldn't assure me there would be no black marks on my account due to this accident. What the heck??

So I called her insurance company and filed a claim but now I'm wondering who is going to pay for the rental car etc.? I feel the inconvenience of having my car crunched and having to get it repaired is sufficient and in no way want to pay one dime for a rental car etc. Anyone have any advice? Should I change and run it through my insurance co? Can I change my mind and do it that way now? Paying the $1,000 deductible upfront, although I don't feel like putting it out, isn't a huge deal as long as I get it back.

Any advice you can offer would be most appreciated! Thanks, Jules