<prompt> Human: Im not sure if this is the right sub to post so if not please let me know. A few months ago in 2017 I was in a small car accident in a Target parking lot. It was a small fender bender involving another lady that caused minor damage to her vehicle and the most damage to mine. The only damage to her car was the front fender popped off, mine in the other hand had giant hole in the front fender, a busted light, and damage to the door. Nothing major but more damage than hers. I am fairly young 20 at the time of the accident and this was my first auto accident. I was shaken and had no idea what to do. I didnt see her car and according to her she didnt see me either. She seemed nice enough at first. I told her I had never had anything like this happened so I didnt know what to do. I suggested calling the police because thats what ive been told to do by my parents, but immediately after I suggested it she cut me off no dont they wont be able to do anything to help us. When I asked why not she said this is private property so its out of their jurisdiction. we might as well handle it with our insurance. and so i asked if she was sure she didnt want to call the police and she said seriously trust me I used to work in car insurance. So I trusted her and asked what I should do. She said call my insurance. I asked if she needed to call hers too and she said no. So I called mine and talked to the guy. He took my information then asked to speak to her. I gave her the phone and she kind of walked away while she talked to him but I could still hear her. She was telling him her info and that I was at fault. She gave the phone back to me and he was asking me what happened and I told him, he asked if I was at fault and I said I dont know maybe. it happened so fast I wasnt sure and took her word for it because it seemed like she knew what she was doing. Afterwards the lady came up to me and said said I know this is scary but you know its your fault right? she sounded almost motherly and like she felt bad for me. I said okay and we went our separate ways. Now im starting to think she took advantage of me because I was shaken and scared at the time. So a few months pass by after the accident and I didnt hear anything from insurance. I called but they couldnt find my claim, I assumed she called and dropped it or something i dont know how all of that stuff works so i was only assuming I ended up fixing my car out of pocket because it worked out cheaper for me that way and after that i thought the entire ordeal was over. Well recently I end up getting a letter in the mail from a collection agency stating that I owe 3,675.00 to what Im presuming is her insurance company for damages related to the accident. It states that if I dont pay they will report this to the department of motor vehicles and could possibly have my license suspended, they might be forced to litigate which would include court cost and sherif fees, or they would use other means of collection enforced by state and federal laws. Also, I dont know if this is relevant or not but ill include it just in case. Shortly after the accident I switched insurance companies because I found a cheaper price. Not sure if that had anything to do with the missing claim or not. Now Im scared. I feel way in over my head here. I am a broke college student struggling to get by, I cant afford to pay over 3000! I also cant afford to have my license suspended or pay court cost or sheriff fees. I hardly understand any of this. What do I do? I need help!  <response>: Call your insurance and they will take care of it. This is what you pay them for. And she is partly right on not needing to call the cops for parking lot incidents. Police reports arent always needed, but theyre preferred. With parking lot incidents all they would do is come and give you each others insurance information. Easier and saves time if youre both complying and do that without the cops. She likely filed with her own insurance and now theyre coming after you, just start a claim with your company that you had at the time of the accident. Assuming your insurance was active at the time, they will cover the costs. 