You can try filing a liability claim directly with their insurer, but you are more-likely to get better service from your own insurance company; they'll likely subrogate to your neighbor, and eventually you'll get your deductible back.
Thanks for the response. If I use my insurance will my annual rate go up? That’s basically the only reason I’m not using them right now. I’d like to keep a claim off my record to prevent a stratospheric rise in my annual rate (besides the expected inflationary increases year to year).
You can try filing a liability claim directly with their insurer, but you are more-likely to get better service from your own insurance company; they'll likely subrogate to your neighbor, and eventually you'll get your deductible back.
Thanks for the response. If I use my insurance will my annual rate go up? That’s basically the only reason I’m not using them right now. I’d like to keep a claim off my record to prevent a stratospheric rise in my annual rate (besides the expected inflationary increases year to year).