Mose Gallu

Question: NY parked car accident insurance laws.?

Some guy hit my car while it was parked in the road. He knocked on the door and gave me his insurance policy and other information. I live in Rochester, NY and my insurance provider is AIG. If i file a claim, who's insurance pays for the damages (new fender and door)? Will there be a deductible on my part? Will my premiums go up? Doesn't NY have some stupid no-fault law? Or should i just make him pay for everything out of pocket?

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