...if he doesn't pay up can I just contact his insurance company in the future? or would it be better to inform my own company ...
Read your policy. I believe you are contractually obliged to inform your insurer of any accident.
There is no indemnity or cover, unless the owner has comprehensive insurance.Television.
I work in the insurance industry and you are obliged under all motor policies by conditions to tell your insurer re any incident.
I would defo tell your insuranc co in case prob in the future they will ask why you didnt inform them and can refuse indemnity due to late notification.
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