Am I obligated to give my insurance info after an accident if no damage was caused?

I was involved in a fender bender. There was a line of cars at a red light and i accidentally lifted my foot from the brake and bumped the car in front of me. The car had a bumper guard and we both agreed that there was no damage. The only information exchanged was my name and phone number. After calling me to confirm again that there was no damage the lady called to tell me her husband is reporting it to his insurance but she couldn't tell me why. The bumper was very scratched on the side from previous incidents and I think they are trying to get insurance money from me for prior damage. How can I protect myself? Am I obligated to provide my insurance information to their insurance company? So far I have not spoken to them an I have not reported it to mine.

Dec 3, 2016 New York, NY

Neil Richardson

Dec 3, 2016

It would probably be in your best interest to provide your insurance information to avoid any potential legal issues, but I would also let their insurance company know that they had existing damage on their vehicle. Luckily, you shouldn't have to pay anything out of pocket, but the fact that you made contact with their vehicle means you will be considered at fault. It might be worth asking the other party what the point of filing a claim would be since there was no damage initially. Avoiding a claim is always the best option, but it may be unavoidable in this case.

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