I learned my lesson when some guy was changing lanes and clipped that back rear bumper which dug into the tire and I couldn't drive it. He gave me this sob story about it being his daughter's car and he didn't want her insurance go up so he said if I got an estimate for repair, he would reimburse me privately. I took his info and got his work number. I sent him the estimate, but he never paid me. Now, I don't care how little damage there is, I call the cops and have a report made.