Yesterday after shopping it happened. The nightmare of every parent. Child 2 rips the door open and rams it into the adjacent golf. Losses Golf 1 / Volvo 0. Should be called with mine you see nothing but at the golf a bit of paint has burst off. Unfortunately a woman sat inside then also immediately out and us with a friendly: “But that has quite banged and you can not watch her children”, welcomed. I then made you on the other 8 Macken (sometimes already anger and said that you finally found a stupid one who would have paid her for the paintwork. I had then no longer had a chance to discuss and we exchanged addresses. Now my question: Who pays in this case. My liability or that of my child (2years old, therefore has no liability) or does the car insurance apply for it?