I had about the same thing happen to me in my last car. I got the other drivers insurance info, and called their insurance company. I explained what happened (basically the other driver was tailgating me in pouring rain and hit me when I stopped for another car) and the insurance company said that they would 'investigate'. The next day, their insurance company called me back and agreed to pay all damages. They told where to bring my car, and pre-arranged payment so not one cent came out of my pocket. My insurance company was never involved or even contacted. Didn't even have a police report!
The only difference here is that you might have to go to a MINI dealership for repairs. You would have to talk to your MINI dealership and the other drivers insurance company to figure out exactly what to do.
Good luck, let us know how it turns out!
-Paul! |