Accidentally Bumped The Car In Front Of Me At A Fastfood Drive Through? There was no damage to either cars, even the drive through workers agreed. The driver of the other car was nice about it, saying "It's okay, don't worry" & asked me for my insurance, driver's license, phone #. I forgot to ask for any of her info & forgot to snap a picture of her car. What should I do now? & should I contact my insurance? Will my insurance rates go up?

Has a claim been filled ?

Not yet

Contact your insurance company. Which you should have done immediately. Don't know why she asked for your information if there was NO damage. The thing is, what if she gets in another episode and presents your information? Always take pictures. Always get witness information. Accidental bumps in these situations at fast food places is a common occurrence.

No, dont think your rates will go up. Think about it, why would they under these circumstances; but get yourself prepared with a mindset to do the proper procedures.

Very foolish mistake, so don't give out information again, unless it's an exchange at a real accident.

Of course you contact your insurance company just to give them a heads up for a possible scam/fraudulent claim, and let them know you have witnesses to back up your side. In the future, if there is no damage, then never give your insurance information.

Just to add to the previous comments - you typically must inform your insurance carrier of any accident within 5 days or so (may be as long as 10) or else they will not cover you. So if you don't call them, and two weeks from now the woman ends up coming after you for damages to her rear bumper, you could be on your own. So call them. If nothing comes of it (i.e. if the woman doesn't claim any damages), then your rates will not be affected.