Hello, welcome to the website. My name is Tony, I can assist you with this.
Do you accept that the accident was principally your fault?
Okay. Then I'm afraid it would be the case that you would be required to pay for the damage that you did to the car. This is one go the biggest problems for cyclists really and the fact that they're not insurered (often).
Most car owners would look to claim against their insurance, although they're often reluctant if they can avoid it because it counts as a claim against them and increases their policy premium.
Ok thank you for confirming
Also woul homeowners insurance cover it maybe.
Homeowners insurance is unlikely to cover it, but you should check, each policy is different and it depends on the policy wording.
Just give the home owner insurance company a call and see what they say.
Ok thank you for the help
You're welcome. Is there anything more I can help with? Are you happy with the service provided this afternoon?