Good day, My husband had an accident at the beginning of March. The two cars were waiting at a red light.The causer was in front of him and suddenly drove backwards on our car(she might want to change track). The causer got out and said ‘no harm’ and wanted to leave already. My husband was angry and immediately called the Polizai. Two policemen were there and asked both what was happening etc. Then my husband has a note with the license plate and phone number It was between 5.30 and 6.30 p.m. The next day my husband was at a workshop. The workshop master examined briefly and told him: There are cracks and scratching on the painting of bumper and whether it is unclear whether further damage to the carrier, best he should first call an expert report. We have no experience with the car accident and first tried to reach the causer to find a solution together. The answers to the questioner Until we have suppressed the call number, her father answers and says: no damage, no contract with the insurance company. We then called the insurer and made the damage report. The clerk told us: we should wait until the transferee reports. Yesterday( 3 weeks later) the father finally reported. But he said: no damage visible and also no file number assigned. The clerk even said: one knows nic Is it possible that we may choose an expert or do we have to apply to the insurer? Who pays for an expert report? We are quite angry and what should we do now? We thank you!!! We are not sure if we can do anything that will happen to the car afterwards!