I went grocery shopping with my 3 year old daughter today.
While I was unloading grocery bags into my car, my grocery cart (with my daughter in it) turned 90 degrees, rolled about 2 feet down a gentle slope, and bumped the car next to me. I was able to grab the cart at just about the exact moment that it touched the other car whose owner was looking through her trunk and talking on her cell phone. I didn't see any damage, so I apologized and went back to loading groceries in my car. "There's a dent!" said the woman. We both bent over the spot where the cart had bumped her car, and sure enough if you looked in the right light at the right angle, there was a mark about the size of my fingernail. "This is a brand new BMW! I am going to have to get this repaired!" said the woman. Then she went back to talking on her cell phone. I put my cart away and put my daughter in her car seat, and to be polite I apologized again and asked the woman if she needed anything. She wanted my insurance information. I pointed out that I wasn't driving, and therefore my car insurance wasn't appropriate. In the end I gave her my name and phone number and hoped that she wold decide the tiny mark wasn't worth her time and effort. Unfortunately that wasn't the case. An hour later I got a call from her insurance wanting to know my side of the story and saying that they were planning to investigate the incident. What is the precedent for this sort of accident? If she decides to have the panel of her new BMW replaced and rents a car to get around while hers is in the shop am I going to be made to pay for it? Help!