Less than 24 hours ago I backed up out of a cross walk and didn't notice that a Lyft Driver had just pulled up and I tapped his bumper.
We exchanged contact information, insurance info, and took photos. Neither of us called the cops (I probably should have but I was a little frazzled since it was my first accident). He claims I caused a scratch on his bumper from the incident and he told me he would file a claim.
I have Progressive insurance and I know that their policy states that they should be informed any time a collision occurs.
My question is, should I wait for him to claim first? What if he decides "maybe that guy didn't actually scratch the bumper and I went over a speed bump too fast earlier" or if he decides he'd rather settle it out-of-pocket first? What should I tell my insurance company?
Any help would be greatly appreciated.