1) if i have a p2 car n kena bang, after report polis, better to go p2 service centre or 3rd party svc centre for repair?

2) if i parked my car somewhere overnight n tmr morning realized car bumper kena bang by duno who. not my fault, can claim insurance? will lost ncd in this case?

3) if 2 cars bang each other on the road. how the polis & insurance company know who's fault? both parties have their own stories. sure somebody will tell lies to avoid responsibility, if no dashcam or anything how to judge?