bumped someone's car lightly, no visible damage - should I report?

I hear you, but I tend to err on the side of caution. Even if there’s no visible damage, sometimes issues show up later - like a sensor or paint crack you didn’t notice at first. I’ve had a friend get a call weeks after a “no big deal” bump because the other driver changed their mind. If you’ve got photos and both parties agreed, you’re probably fine, but I usually snap a quick pic just in case things come back around. Insurance can be tricky... better safe than sorry, honestly.

Insurance can be tricky... better safe than sorry, honestly.

Totally agree with this. I once thought a tiny scrape was nothing, then a month later the other driver claimed their bumper was “misaligned.” It’s wild how stuff can come back to bite you. I’d rather have a paper trail than trust someone’s memory.

I get wanting to cover yourself, but sometimes reporting every tiny bump just makes your rates go up for no real reason. Had a similar thing happen, but the claim ended up being way more hassle than it was worth. If there’s really zero damage and everyone’s cool, I’d probably just document it with photos and move on. Not saying ignore it, just… not every scratch needs to be a big deal.