Car accident in ChennaiA school bus recently side-swiped our car as we were waiting for a red light to change. The bus driver certainly knew he hit us but, rather than stop, he sped away to escape the consequences. Unlike the US where it is customary to trade insurance information, involve police or lawyers--in India, the offending party often takes off!
We contacted our insurer and the school (which has predictably not responded). Our insurance will cover our damage minus the deductible out of our pocket. They may increase our premiums as a result of the accident for which we were not responsible. How should we proceed? Should we claim the damage? Solve it ourselves by directly contacting the school? Chalk it up to experience and just pay for it like most people do here? Tell us what you think