I accidentally damaged a customer’s property in my shop. I opened a claim with my insurance company before showing the damage to my customer, thinking that was the right thing to do. When I sent the company the customer’s contact info, I asked about closing or voiding the claim if the repair was less than my deductible, thinking I could just pay directly for the repair. The response was that the ins. co. would take care of paying the customer and then pass appropriate charges (my deductible or portion thereof) on to me.
The customer is inclined to not get the repair done and not ask for compensation, and has not responded to the ins. co. yet. The co. is asking for further contact info. I’m not sure what to do now. It would be helpful to me to have some insight into the co.'s position. Do they need the customer to tell them no compensation is desired? Any advice on what I should do, or not do, at this point?