So, this morning, I was trying to move my car to be closer to my apartment. I was in between 2 cars. The car (one of those giant GMC trucks) behind me was parked in front of two private driveways (houses). The owner was on the phone.
I asked him if he could back up a little bit, so I could have more space to get my car out. He was too busy to answer. I got into my car and when I backed up, my back bumper SLIGHTLY bumped/tapped his front bumper.
I didn’t leave. I got out. We both looked at his car. He rubbed his hand on his bumper and there was no visible damage. No scratches. No bumps/dents. He told me to be careful that it was a brand new car. He paid 50K for it. but he said it’s fine. I even asked him one more time if everything was okay. He said yeah it’s fine. I left.
Neither one of us took photos (I didn’t have my phone with me). He didn’t ask for my personal/insurance info. I didn’t ask his either. I left. 15 minutes later I came back with my phone to take pictures of the front bumper. He already left.
However, some people advised me to report this to my insurance as this counts as “collision” and I may be charged with “hit and run”. First I didn’t leave. I got out and talked to the owner. Second, there really was no damage to his vehicle or mine.
If you were in my position, would you contact your insurance/cops?