What is the name of your state? new jersey was on a busy two way street went around a doubledparked car tried to get back in my lane,and then a bus was approahing in the opposite direction i stood still as the bus inched forward to try to pass me ,that's when the bus slightly hit my rear drivers side ,the bus driver intially told me to go that there was no injuries or damage, I filed a police report beliving this would protect me, now about a month later I receive a letter from the bus company's insurance claims processor about a loss how should I proceed with this?