Third Party Claims
If your car is only insured for the minimum level required by law, third party, then you will not be able to claim for any damages to your own car from your insurer. Instead you will have to either pay for the costs of repair yourself or make a claim from the other driver if they were legally responsible for the accident.
If you intend to make a claim then you will need to notify several people. You should firstly inform the driver that you hold responsible for the accident and advise them of your intentions. You should ask them to inform their insurance company of the situation; remember that another insurance company will only act on behalf of their client's express wishes. If you have the other drivers details and policy number then you should also write to their insurers, clearly explaining the situation. Lastly, inform your own insurance company and let them know that you are intending to make a claim against a third party.
If the other driver's insurance company agrees to support the claim then you will need to send them estimates for the damage repair and any other information that they might require. You should supply what is required of you as promptly as you can.
It might happen that the third party does not accept responsibility for the accident. In this case you their insurance company would not be able to support a claim made by you. If such a situation occurs then you should seek advice from your insurance company, motoring organisation or solicitor. Legal action may have to be taken as a last resort.