Just had my first car accident, please help.

So today I had my first car accident, it was completely my fault. It was at the traffic lights, all the cars where stopped and a banged the car infront of me (was driving too fast), fortunately (my nor his car was damaged much because I braked just in time for it not to bang so badly, it did bang though. Now, he obviously went MENTAL and I begged him not to claim insurance as I only passed my driving test last year and my insurance will go sky high. He agreed and took my number down and said he will get back to me with the amount due for his damages. He only has a few scratches but god knows how much he will ask of me, it can be from 100 to 500 I have no idea, My only issue is that, he only has a few scratches, do you think he may lie on how much I owe him? Do you think it's better for insurance to get involved if he asks for 500 plus. I don't know what to do, I take full responsibility but I'm so worried because I don't have that amount of money. Please someone help.

Did u get pictures? ? Future reference always take pictures of both cars so they cant exaggerate. If the quote is moree that 200 I would go through insurance as a couple scratches would mostly be paint. Unless the bumber wss damaged and needs replacing, all depending on the car but 200 is max imo.

Dont fret too much these things happen.

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No I never, I had no idea what to do. He was like a 50 year odd man who was incredibly patronizing. I know for a fact it wasn't that bad, a few scratches, DAMN I wish I got pictures that would have been good. If I do get insurance involved, will my insurance go sky high though as it will be on my record? Or should I ask for receipts from him?

Hi, i know this thread has been inactive for a while but i had the same thing happen to me 3 days ago and i am so freaked out

I was slowing down at traffic lights and i had boots which had small heels on them, and so i went to brake but my foot slipped off and my heel caught the brake instead, so i didnt brake properly. i ended up bumping the car in front of me but at very slow speeds im talking below 5mph. The driver got out and i panicked so my car stalled and slightly hit her car again but even less than the first time. she came over to question me and i was completely unaware of what to do. she asked for my details, and stupidly it didnt occur to me to ask for hers...when inspecting the damage there was nothing wrong with either car, she had a towbar on the back of hers so i think i hit the towbar rather than the car and thats what prevented damage. she said she'll have her car checked up and if there was nothing wrong she wouldnt report it. if there was something, she would call me and claim. im now freaking out because i have no name or number for her and im in limbo i guess...how long does it take to get a car checked out, and what can i do about this? i didnt call insurance because if she wont claim then i dont want to report it and have my payments rise, but at the same time if she chooses to claim and reports it but i dont report it too then my insurance will get angry at me....im also scared to drive now. what should i do?

So today I had my first car accident, it was completely my fault. It was at the traffic lights, all the cars where stopped and a banged the car infront of me (was driving too fast), fortunately (my nor his car was damaged much because I braked just in time for it not to bang so badly, it did bang though. Now, he obviously went MENTAL and I begged him not to claim insurance as I only passed my driving test last year and my insurance will go sky high. He agreed and took my number down and said he will get back to me with the amount due for his damages. He only has a few scratches but god knows how much he will ask of me, it can be from 100 to 500 I have no idea, My only issue is that, he only has a few scratches, do you think he may lie on how much I owe him? Do you think it's better for insurance to get involved if he asks for 500 plus. I don't know what to do, I take full responsibility but I'm so worried because I don't have that amount of money. Please someone help.