Originally Posted by oneupper
I trust no one. Call the police, especially if you are the innocent party. Your insurance won't go up because someone rear-ended you.
This. It is OK to be nice, but unfortunately there are enough bad people out there that I do not trust anyone. The lady could deny it and then it becomes "your word against mine". I try to be nice to everyone (hold comments lol), but cars are not cheap to fix. If she does not like it, then quit running into other people.
And Doug is right, in OH private property accidents will not be cited. However, the police will file a report which is your golden ticket if the lady denies it.