Earlier today, my nine year old son crashed his bike into a car, which was waiting at a junction. He scratched the cars offside wing and bonnet. This will obviously need to be repaired. However, I do not know/confirm who was at fault and have taken the car driver's word that my son crashed into his car. How would I claim under my insurance in a situation like this? The car driver is insured by Direct Line, who advertise they cover accidental damage. Would this be classed as that and, therefore, covered under his insurance policy? I want to make good on the damage my son has caused but simply do not have the money that would be required for a repair of this type.