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I got into an accident on private property. Police were called but they refused to file a police report since it was on private property. Me and the other party exchanged information and the police checked over it just to make sure it was correct.
Now my question: If the other party files a claim with my insurance company, how will they know that it's my fault? It's my words against their words. If they file a civil lawsuit against me, wouldn't it be the same: my words against their words since there is no proof?
I would like to pay them for damage (about $50 to fix a headlight that came off loose) but they seem like shady people. The guy wanted $500 in cash to fix a simple headlight. Even the cop said it would cost about $50-$75 to fix. I wouldn't mind just paying $100.I think that they are people who would purposely damage their car to get more money out of me which I'm not willing to do. Another problem: If civil lawsuit is bought in court, does the court require to look at my driving record.
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