i was returning home from work today and a car pulled out in front of me at a stop sign. i saw him stopped at a stop sign then he jerked foward a little and saw me coming but it was too late. i hit his fender and was leaned over the hood. i damaged his car and was not hurt in anyway. i was afraid he try and make me pay for the damage, but he didnt. i was just wondering if a similar situation ever occur (hopefully never) what should i do? like if i got hurt or my bike got trashed. do i call there insurance for the damages and hospital bills??