<prompt> Human: I was slowly merging on to the highway today when all of the sudden the car right in front of me slammed on his brakes. I bumped into him, and when we got out and looked at the cars there was no damage. He said you definitely scratched it, and I just got this car and wiped off some dust to reveal a scratch. Other than that the cars were both drivable, but he took down my information and said he was calling his insurance, despite me saying I could pay for it out of pocket. He doesnt even need to call insurance, right? There was no damage maybe a scratch. Should I contact him and tell him so my rates dont rise?  <response>: You can negotiate with him but he is within his rights to go through his insurance. Drive more carefully in the future. 