I rear-ended someone at a stop light and caused very little damage. My car is fine, but the bumper on the truck I hit needs to be slightly adjusted since the guy hauls trailers for a living. I’m twenty years old, off at college, and this is my first accident so I contacted my parents for help. They told me not to contact the insurance company, but I’m worried that since his car was damaged that I don’t have any other choice. It’s also been 2 weeks since the accident and I’m worried about getting in trouble for waiting. What should I do?