Minor car accident, my fault, what to do?

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I was off from work today and was changing lanes to another freeway in a major city. The traffic was not too fast since it's rush-hour, but the lane I switched into was in a complete stop about 10 cars ahead. I slammed my brake and seconds later I hit the guy in front of me.

I felt the bump but both cars only had minor scraches. The other driver was complaining about headache and neck/shoulder pain but denies in need for medical care to the police.

We exchanged insurance info, but I thought he would just let it go since it's just so minor and his car is quite old.

But I got a call from him complaining that his rear door knobs are "stuck" that he can't open them.

So he offered us to settle on our own after he brings the car to a machanics tomorrow. He also said that he'll see if the pain feels better in the morning.

I'm just wondering if this is the best way to do it since we both don't get our insurance rate raised.

Assuming this is that a flaud, is settling it on our own th

Minor car accident, my fault, what to do?

Errrrr......

From an insurance company stand point.......you are REALLY jeopardizing a lot.

Let me give you a scenario:

There are fraudulent people out there. They stage these kinds of accidents all the time. They claim they are hurt - but don't go get medical treatment. There will be minor damage - that MIGHT have already been there. They squat their car in front of you KNOWING you are going to hit them. They don't make a big deal out of it so you don't report it to your insurance company and then they threaten you will allllll kinds of things. They go to their buddy mechanic who will write an estimate saying the frame is damaged. You don't know cars...how are you to know if it is real or not. The guy starts showing up at your job with a neck collar on and carrying a cane. Scary, huh? What do you do? You give in because you're scared. That doesn't have to happen

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Minor car accident, my fault, what to do?

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