Should I report this car accident to insurance?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I’d ignore it. If it goes through any insurance it will show on carfax as an accident and hurt the value more than a small scratch. If it bothers you, ask the dealer to have their "mobile paint guy" fix it. It’ll be $100 at most. I bet the other driver would just pay that cash.

That is a good point. It it goes through insurance it will most likely show on carfax and will reduce the resale value of your car by a few hundred to a few thousand.

OP here. I thought of this, but I’m worried about damage to the sensors in the back. So far it seems fine, but I don’t fully trust that something won’t crop up later and by then it’ll be too late to go after the person that hit me.

Anything that would crop up later sensor wise won’t be fixed now. They’re not going to replace any sensors, they’re just going to repair the paint, and if sensors fail after that you’ll still be on the hook for them.

It is a new car so covered by the warranty. If the dealer doesn’t honor the warranty in the future because of the accident OP can go back to the repair shop/insurance and ask them to pay.

[Anonymous]

People like OP are why insurance rates are unaffordable now and 20%+ of people drive uninsured.

[Anonymous]

Anonymous wrote:OP here. Sorry if this is dumb, but if I contact their insurance, they won’t insist on contacting mine? To be clear, there’s no earthly way I’m at fault and the woman never indicated she thought I might be, but I assumed if I call her insurance, the insurance is going to want to work through my insurance company.

I have her number, but I’m worried if I text and ask if she’d prefer to do this outside of insurance, she’ll think it’s a scam or something. She’s not originally from the US, is older, and her English is not very good.

Yeah you shouldn’t have given her your insurance