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Have you told your insurers?
What are your premiums like?
Well, the question is really one of premiums.
If you can repair this cheaply then generally speaking you want to avoid claiming upon insurance. It will have an impact upon premiums.
That will be the case whether or not you are vindicated.
It depends how strongly you feel about this.
I think I would be trying to settle it privately in your circumstances.
Can I clarify anything for you?
Yes, it does.
The question really is whether or not you are willing to accept a pyrrhic victory.
If you go through insurance, you can report it to the police and he may or may not be prosecuted but your premiums will increase.
If you settle privately they will not.
Ultimately if he won't agree then he won't agree. You can't force him to.
If that is not acceptable then you can only report it.
Negotiations only succeed if both sides are wiling to agree.
No problem and all the best.
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