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ggav73 · May 13th, 2004, 02:44 AM

I was stopped at a light and a Saturn went into rear bumper of my Mini Cooper 2003. The shock was awful, I got out very concerned to see the disaster, but I was pleasantly surprised to see that poor Mini took it well, no obvious marks, just 2 small dents/incomplete holes in the rear bumper from the license plate of the other vehicle. I reported to the police who laughed at me because if I seek repair I will have to pay $500 deductible. I insisted and police filed the report anyway. Here are my questions and please excuse something that sounds like naivity, I came in USA 4 years ago and I am not aware of all the things I am supposed to do in this situation.
1.Should I go to Mini dealer and ask for an estimate? I am leasing this car.
2.Should I use my insurance or just try to find reaching an understanding with the other driver (at fault)?
3.Is it customary to ask the other driver to pay for the repair? At the end of the day, I was just stopped and now I have to pay maybe hundreds of dollars to get my Mini immaculate back.( I really don't feel comfortable leaving as it is, although, I repeat, the damage is not visible. But it's in my head, I hope you all understand me.)
Thank you for reading these lines, your input will be highly appreciated.

May 13th, 2004, 02:44 AM	#1
ggav73 MINI2 Newbie Join Date: Mar 2004 Local Time: 03:33 PM Posts: 3 Offline	I had an accident and need advice I was stopped at a light and a Saturn went into rear bumper of my Mini Cooper 2003. The shock was awful, I got out very concerned to see the disaster, but I was pleasantly surprised to see that poor Mini took it well, no obvious marks, just 2 small dents/incomplete holes in the rear bumper from the license plate of the other vehicle. I reported to the police who laughed at me because if I seek repair I will have to pay $500 deductible. I insisted and police filed the report anyway. Here are my questions and please excuse something that sounds like naivity, I came in USA 4 years ago and I am not aware of all the things I am supposed to do in this situation. 1.Should I go to Mini dealer and ask for an estimate? I am leasing this car. 2.Should I use my insurance or just try to find reaching an understanding with the other driver (at fault)? 3.Is it customary to ask the other driver to pay for the repair? At the end of the day, I was just stopped and now I have to pay maybe hundreds of dollars to get my Mini immaculate back.( I really don't feel comfortable leaving as it is, although, I repeat, the damage is not visible. But it's in my head, I hope you all understand me.) Thank you for reading these lines, your input will be highly appreciated.