Accidentally hit a car in front of me while in the bank deposit line. A wasp flew in my car and was crawling on me. Was trying to kill it and my foot slipped off the break and barely tapped the car in front of me. I have a perfect driving record and all she did was take my name, number, and address. She said her husband would look at it and if anything I'd have a call to get insurance involved. No damage to mine or hers cars though at all. Plus I took pictures.
They have the full statutory period, and best to report every accident to your insurance company as per the terms of your policy require
If you are not going to turn in a claim under your collsion coverage then I would just wait for the other driver to contact you or your insurance company.
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