Today morning my Fiat Punto met with an accident. It happened in messed up flyover near Intel campus, outer ring road, Bangalore. I was coming from Marathahalli & going towards Intel campus service road. Suddenly a bike fella came in front my car from nowhere. I put hard brake but still hit him. Nothing major happened to the bike person. As it was peak traffic hour both of us had no argument & left. Later I found that my car's bumper has sustained a lot of deep scratches & minor split near the corner. Also there is a dent on bonnet I have zero dep policy from Bharti Axa. So far I have done no claims. No claim bonus as per my current policy is 25% (Rs. 4000) Kindly suggest me what to do now. Shall I goto FASS for repairs? If yes, shall I claim insurance? If I am claiming insurance then should it be done immediately or can be done little later (a month or so).