Re: Should I have called the police?
Depends on your local laws or insurance terms. Some places recommend a police officer write up a police report for any damage above $500. If you are "unsure" of how to handle the post-accident steps, a police officer will walk you and the other party through them. If you are the innocent party or you become injured in the accident, that police report will help you tremendously. Good faith usually ends once the insurance companies get involved and you'll want something legal in writing to protect you and help cover your damages. Otherwise, you open yourself up to more liability and risk than an increased monthly rate.
"I can't stand LLS. Liberals, Lies and Spin." - L. Schuler
Reds fan for 44 years and counting...