I was rear-ended while stopped waiting to turn left. The other driver provided me with insurance information. I notified my insurance agent. When he contacted the other driver's insurer, it turned out that his policy had expired. Given this situation, my insurance agent said that my insurance can pay for it (and I have a $500 deductible) or I can pay for it myself. It seems to me that the other driver is liable. I have not yet contacted him regarding his stance on reimbursing me for the cost of repair. I intend to get some estimates and then contact the other driver. I have not yet filed an accident report (no police at scene, no injuries). Should I see if the other person is willing to pay my repair bill and only file an accident report if he isn't? Or should I go ahead and file an accident report anyway? If I file an accident report I would think he would be cited for not having insurance. This would be fine with me, however, he may be more likely to reimburse me if I note that I have not yet filed a report and the consequences if I do. Any advice on this matter would be greatly appreciated!!! For what it's worth, the accident occurred in Ohio and I do not know the other driver's financial status (as in does he have money to reimburse me).
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