Someone hit my car
Someone hit my car and just left without leaving a note. I noticed it the next day.
The car is only 7 months old. Now I am contemplating my options, new headlight unit would cost 1.2K-1.5K, couple hundred for the marks and then there's labor costs...
Should I inform insurance and file a claim? I am in the process of obtaining CCTV as the place *I think* the accident may have happened. Insurance premium will probably rocket + my voluntary excess is £500 and compulsory excess is £500. This means a claim will deduct £1000 from myself straight away.
Not sure what to do...