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It depends on where you live. Some states are no-fault, while others will place the fault on the car in the rear. Either way, you should both submit the crash to your insurance companies. The other driver has the choice of how she wants her vehicle repaired and can take it to a service center regardless of whether her husband can fix it. If you choose not to go through your insurance, she can sue you for the damages. If you end up coming to a civil decision and you give her money for the repairs, give her at the very least a personal check and write "payment in full" on the memo line. That will prevent you from further action in the future.

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Q: Are you responsible for anything if the person whose car you hit in a minor accident waits three weeks to call you and the police were never called?
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