I talked to the guy about not going to the insurance and he said he'll try..but worst case scenario if he did how much will my insurance go up?? The damage is only few scraches on the bottom part of the bumper. Since it less damage doe that mean that it's less increase??
The laws are different in Canada I guess hence the 2 thumbs down, I went through this on a few occasions over more than 30 years of driving. when you go through insurance the accident has to be reported at a reporting center at the police station, and if you rear ended someone it means you were following too close or have poor brakes, this constitutes a ticket for either unsafe vehicle or following too close, both will effect your insurance. this is why i suggested taking care of it privately, police don't mind that even if it is not really the right thing to do because it saves them time and paperwork ultimately freeing time to do some real crime fighting.
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