In my vehicle I was waiting at a stop sign to make a legal left turn, it was night, I pulled up, saw the remaining cars ready to pass so I pulled up a little more since there is a L blind spot after looking both ways and out of no where a guy on a bicycle is coming towards me he finally notices close to the car pumps his breaks and wobbles a little and does not hit my car just crashes on the pavement and his bike flips and hits my car which there was no damage seen. He was wearing all black and had no reflectors on his bike. I ask him if i should call anyone he denies, I give him a ride home, no police report was made, he verbally said as long as my arm is not broken I dont care about this, he took my insurance info though, am i liable? Would ins even open him a claim w no pol. report? Thx
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