Accident Damage Insurance Needed

Yes, because if the other person contacts their insurance company or 5 days now and says they found the damage and you had not reported, your company may refuse to pay. Most policies state that you have ins to notify them within 72 hours or they are not responsible. Even if you report it, you do not go off on your payments unless they have to pay a claim.

attachment suggests that someone had damage. I would like a copy of the police report and make it to your agent. If there is no damage, and no claim will happen, but if the other party decides to claim something, your agent will be on top of it.

I would say that if the other driver does not have your name or license number, you should not report it. My concern is that if you have a bumper in the crash earlier this year, the insurance company try to pretend that this is a previous accident?