If you are in an at fault car accident, you always want to make sure that the person you hit can get a couple of quotes from shops before you call up your insurance or make a police report. In Florida, you can make a delayed police report, which means that up to 5 days after the accident, you can make a police report at the station and you can use this police report for an insurance claim. This should be true in other states as well.
If you have the person get quotes and you can pay for the damage out of pocket, then you will not receive points on your license and your insurance will not increase. Another reason to get quotes is that it might be cheaper to replace the bumper out of pocket, than to replace it through insurance if you have a high deductible. Let's say, your deductible is $1,000 and the bumper you hit can be fixed/replaced for $500, then there is no point to involve insurance and receive points on your driver license as $500 is clearly less than the $1000 from your deductible.
If you are in an at fault car accident, the victim could sue you and file a claim for compensation and the amount could be substantial which could throw your finances off-balance if you don't have insurance.
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