Our insurance company already sent a message to the guy, he will be the one who is responsible for the excess payment, but unfortunately, he didn't reply yet, and we paid it, at least the excess payment was not expensive. We will not bother anymore with the guy who bumped us, the important is we are all fine, though I'm a little bit traumatized with the incident. That's part of our life, good and bad times always comes our way. But I do believe in karma LOL!