Get their contact information and a picture of their driver’s license if you can. If they do not cooperate, contact the police. Take photos of your damage.

If they offer to pay for the damage, great. Might not have to get insurance involved. If they don’t want to pay out of pocket, you can either file a claim on your own auto policy and then let your insurance company try to recover the damages, or you can file a claim on the other person’s homeowners or renters policy if they have one. That’s where bicycle liability would come from if they have coverage.

Would recommend first trying to get them to pay out of pocket or going through their home insurance. Avoiding claims on your own policy is always best because it helps protect your rates.