Had a similar situation myself—tiny tap, zero visible damage. We both shrugged it off and moved on. Honestly, insurance companies can be a pain even over minor stuff... premiums going up over nothing isn't my idea of fun. I get the caution though—some folks can be unpredictable later on. Usually, if the other driver seems chill and you both agree there's no damage, I'd say trust your gut. But yeah, like you said, vibe check matters big time here. Gotta love how complicated even the smallest bumps can get, right?
Totally get the hesitation here, but have you considered snapping a quick pic of both cars just in case? I mean, 99% of the time it's probably nothing, but I've seen situations where someone later claims hidden damage. Insurance can definitely be annoying over minor stuff, but having a photo or two can save headaches down the line. Better safe than sorry, right? Plus, it's always fun explaining to your phone gallery why you're hoarding random bumper pics...
Had a similar thing happen last year—barely tapped someone's bumper, zero visible marks. Took quick pics anyway, just to document. Sure enough, two days later they claimed scratches underneath. Photos saved me from a headache with insurance...definitely worth the extra minute.
