If you were insured at the time I can tell you without a dobut your best, most cost-effective, lowest hassle way to handle this is report it to your carrier, have them fix it, eat the deductible, and hope your company subrogates versus the other carrier and gets your deductible back to you.
Small claims on a questionable case when you have insurance is a waste of time and money. Let your carrier handle it. Until you do this for a living, you don't realize how hard it is to "win" 100% on a property damage claim, especially as a non-lawyer against an experienced insurance company lawyer.
If you did not have coverage, well that's why you should.
Stephen L. Hoffman
Law Office of Stephen L. Hoffman LLC
Chicago, IL
773-944-9737
Email:
[email protected]
Website: www.hofflawyer.com
Blog: www.hofflawyer.com/blog/