<prompt> Human: Hello,x200B;I recently rear ended another car in California. It was low speed so the damage is to the bumpers of both cars. Im seeking advice on:x200B;- Should I file a police report? What are the pros and cons?- Should I go through insurance?Informally, the other party says the damage is about 300 and prefers to settle privately but he is reserving the right to revisit if there are medical conditions arising later. This seems like a big risk. I was mostly talking with the passenger who owns the car. The driver was his helper I think. One strange thing is they didnt want to exchange insurance information I asked several times.x200B;I appreciate any advice. Thanks.x200B;EDIT: I forgot to add that we exchanged drivers licenses took pics and phone numbers. He initially wasnt planning on exchanging phone numbers even which seemed weird. We have texted a couple of rounds about how to settle.  <response>: Yes file a police report, that person sounds extremely shady. Do this by the book or risk being sued in civil court and going bankrupt. Yes on insurance, they will fight and pay for any medical claim that may come up. 