Someone crashed into my brand new car help!?

Follow the law.

Forget anything you said to the person. It does not hold water. This person can turn this around and make you the bad guy and make you pay their bills if you are not careful. In most states you must report an accident if it resulted in damages over a certain amount or if there are injuries.

You don't have to make a big case of this but you need to protect yourself.

Get an estimate for repair or 2-3. If this amount triggers you to report it as per laws in your area then do so. It doesn't matter if you told the person you wouldn't.

If this really really was a tiny bump and they are making things right ASAP like today or tomorrow then maybe you can let it go. Of course there is no need to be unreasonable because accidents do happen. Just don't let things get turned around on YOU. This can and does happen.

Follow the law. Let the chips fall where they may on the person at fault. This is how a responsible person approaches the world.

You've been very foolish: with a brand new car you should go through insurance every time. With many policies your car might even have been replaced with another brand new one even though the damage was minor.

Your bigger problem is that the insurer makes it very clear that you must not negotiate at all with other parties and must leave them to handle everything. If you try to sidestep the process your insurer may decide to refuse to settle and even cancel your policy: insurers hate the commercial risk presented by anyone who is proven to withold vital details involving future risk assessment from them. Anything resulting in liability, whether you are at fault or not, counts as one of those details. If they refuse cover and cancel your policy you may find it extremely difficult to obtain insurance at any price for at least six years.

Nobody was injured and so it's entirely a civil matter which police will not get involved in. It's up to you to decide whether to now try and get your insurer involved or whether to stick to the path you chose to follow and accept any consequential losses.

If this happened to me I would,..go to a shop of my choice and have them look at the car, have them write you an estimate. Give the copy of estimate to her and tell her this is the place you are fixing your car at and this is the amount they are charging. Make sure you let her know that the estimate is only preliminary until the shop can remove the damaged bumper and see what is underneath the bumper cover. Note...the bumper covers are made of plastic and are designed to fold in ,,,do damage and pop right out, so what appears to be minor on the outside..the inner parts could be damaged. if shes give you any kind of static or problems call your insurance and make a claim against her.. its her fault and she is responsible, you made it more personal when you agree not to get insurance involved...remember this is her problem not yours,,,get your car fixed at all cost...and make sure you take pictures of your car before any parts are removed, preferably with a measuring tape to document the damage and height,

If it a brand new car then it is a no brainer to go through the insurance to get it 100% back to showroom condition. Police only need to be called at an injury RTC, insurance should be informed even if you are not claiming from them (it will state that on your policy).

1. what do u think the police will do????? u needed whitnesses ! an why did the car at the very front of the que brake sharply? because who ever broke so sharp first its their fault..id u broke too hard mate...its ur fault!

2. yes of course she can refuse

You need a police report for an insurance company to do anything.

if nobody was hurt there is no need to call the police. if it were me, I would take whatever money she offers and not fix it. There will be other shunts before you sell the car.

tip-try to brake slowly so the people behind have a chance to stop

Technically the accident was your fault for following the car in front of you too closely. Every Police Officer, Magistrate and Judge would rule that.

She can refuse to repair your car and she would win.

At this point it is simply your word against hers. Don't be surprised if she now balks on the repairs.

If she is reluctant encourage her by saying that if she drags her feet you will start an insurance claim.