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Hello, this is Jim and welcome to JustAnswer.
I am one of the legal experts on the site and I am a dual-qualified solicitor (UK & Republic of Ireland)
Thank you for the question, I am reviewing the details now and I will aim to resolve it as quickly as possible for you.
Sorry to hear of the accident.
I'm unavailable for a call so I will give you a written answer - your call request is open to other experts and one of them may speak to you shortly.
In the meantime, you mention you struck a car and you scratched it - it doesn't sound like a serious accident. You say you have given your name and details to the owner, which is fine.
You can either agree to pay it without going through insurance, or you can notify your insurer (note, your insurer may require you to notify them of any accident, no matter how small).
I presume the car was parked properly and was not causing an obstruction in the road. That being the case, you would be liable for the cost of repairs though as I say, if you have insurance you may want to notify them of this. If you don't and they find out about this later, they could refuse cover in future. As an insurance policy is a contract so you need to comply with the terms - if you check your policy to see what it says about reporting accidents.
I hope this helps
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OK, thanks. If you speak to the owner and try to come to an agreement over any repairs. If they have insurance they could go through their insurer but their insurer may try to come after you for their outlay.
OK, thanks. You can't stop them from wanting to use their own insurance company unfortunately. If the damage is minor it may make more sense to offer to pay it yourself.
A lot of people are uninsured for whatever reason - e.g. a missed payment, so you could just let the owner know that you found out you are not insured but you're willing to pay for the damage.
My pleasure, thanks