Never been in a car accident before, so not sure what to do now. My car hit a Nissan Latio in the CTE from behind, he was stationary and I jammed brake but still kiss backside. His rear bumper got scratches. small dents and slightly out of alignment. My front license plate badly damaged but that's ok. So after exchanging personal info, what next? The Nissan driver also don't know what to do because he was driving his brother's car.
Do we automatically involve insurance? That will increase premiums right? If the other driver insists on insurance, does that mean I must also follow? If we settle this with cash, roughly how much should I compensate him? Don't want to be cheated. His Latio looks quite new, SGF plate.