I have full insurance coverage. It was a rainy evening & I was stopped behind a car at a stop light. I thought she was turning, so slowly rolled forward but I bumped into her. We pulled over. I had NO damage to my car & she had a very minor scratch on her bumper...maybe even nothing, but it was pouring rain & hard to tell. She told me "don't worry about it, its nothing". But, we exchanged names, phone #'s, & addresses anyway. She didn't call me until 10 days after it happened. Actually, her boyfriend called me & left a message saying the damage is over $3,000 & I need to pay ASAP or they're going to sue me. I called back & left a message saying I do not have that kind of money & we will need to go through insurance. Now, it has been another 10 days & I just heard back from them again. They left a message saying I cannot go through insurance because it will be a major point on my record & to pay $3000 or their lawyer dad will sue. What should I do at this point?
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