Quote:
Originally Posted by BlackArcher101
ALWAYS report to the police and go through insurance. Never let them talk you out of doing it through the proper channels. Odds are you will need a police report and a sticker on the windshield, as body shops won't touch it without one if it's over a certain dollar amount. And damage adds up quick these days.
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I had the tiniest parking lot scrape where somebody hit my parked car at about 2km/hr. Over $2,000 in damage to repair a tiny scrape. Costs are insane.
If you're 100% not at fault (and if you weren't in the car that's generally pretty clear cut) it shouldn't impact your premiums in the future, or at least that's what my insurance told me.