It’s a tough call, honestly. I’ve been in your shoes and always end up overthinking—on one hand, it feels like the right thing to report even tiny incidents, but on the other, you risk your rates going up for what amounts to nothing. Sometimes I wonder if these systems are designed to make us feel guilty either way. You did what a lot of folks would do in that situation, and honestly, I don’t think there’s a perfect answer. Just try not to beat yourself up over it.
Honestly, I get where you’re coming from. It’s a headache trying to balance what’s “right” with how much it could cost you down the line. I’ve had a similar situation—tiny scrape, no visible damage, and I ended up not reporting. Rates are already high enough, right? As long as you checked for damage and left your info just in case, I wouldn’t lose sleep over it. Sometimes you’ve just gotta use your best judgment and move on.
Honestly, I totally get the stress—I'm still figuring out how all this insurance stuff works myself. I lean toward caution, though. Even if there's no visible damage, sometimes things show up later (like, paint flexing or a sensor issue). If you left your info, that's good, but I’d probably call my insurance just to have it on record. Maybe I'm just paranoid, but I'd rather deal with paperwork now than a surprise bill later. It’s a tough call either way.
I totally get where you’re coming from—insurance can be a maze. Have you thought about whether the other driver might notice something later and file a claim themselves? Sometimes people don’t spot issues right away. Did you take any photos, just in case? It’s not always clear-cut, but having a record can save headaches down the line.
Honestly, I’d lean toward reporting it, even if there’s no visible damage. A few years ago, I thought a tap in a parking lot was nothing, but the other driver later found a cracked sensor—ended up costing more than I expected. Documentation really helps if things pop up later.
