My 2001 Honda Accord sedan was rear-ended today while turning right (State AZ). The accident was low impact and the damage to my car appears minimal, only a minor scratch and no dent. There were no injuries. The other driver was a young veteran and overall nice. We exchanged insurance information. It is possible that my car only has a minor cosmetic damage. In that case, I don’t care to get any repair done, mainly because I don’t care about cosmetics and also I don’t want to impact the other driver, especially a nice veteran.
- Is it legal if I just don’t report the accident to my or his insurance company and drop the matter?
- If I report it and get the car checked out and don’t do any repairs (UNLESS the evaluation reveals a damage that’s more than just cosmetic), am I increasing his premium?
- Will my car’s title be not clean after I report this accident?
- If I don’t report, am I taking any liability in any way? For example, is there a way the other driver can come after me?