So, I clipped a cage mirror yesterday while filtering stationary traffic, and the cage's front mirror cover popped off. I picked it up, handed it back to the guy and got off the road on to the sidewalk. We exchanged details and I forgot about it, because I'm insured. This morning his insurance AAMI calls me saying I'm up for the cost, after I told them I'm not intending to claim, since there's no damage on my aluminium hand guard that bothers me. Can someone in the know explain this to me? I've got comp insurance.