That depends on the integrity of the at-fault driver and whether they'll admit to their insurance company or the court that they were At Fault. Always get a police report. Often the other driver will apologize and admit fault at the time then start to feel pressure to not accept responsibility and deny when it gets time to step up. If a local police department says that they don't have jurisdiction in a private parking lot, contact the local sheriff or whatever it's called in your state.
No you don't have to call the at fault insurance company. You have to get the information from other driver, give this information to your insurance company/agent. You have to get the collision report from reporting center. If the damage is more than $1000 and somebody is injured too, you may call police and send the police report copy to your insurance co.
They can, but you can sue the other driver for damages.
If the insurance is not involved, nor the courts involved, no one can force you to do anything. You need to be shown in fault to have to pay. The other driver cannot make the decision that he was not at fault, because you can decide the same and who is to decide who is right? * Yes. A police report is not necessary for an insurance claim or a lawsuit for recovery of damages to be implemented. Since the questioner admits they were backing out of the parking spot and exchanged insurance information, it would be quite easy for the injured party to prove negligence by the person who was leaving the parking spot. Regardless of where the incident occurred or if the other car was "speeding" any person entering into in traffic flow bears the responsibility of assuring that they have a clear right of way.
Police and insurance companies.
While you may receive a traffic citation for driving without insurance, the individual who is responsible for the collision should pay for damages. If the other driver was found at fault, he/she should pay for damages, just as you should pay for damages that YOU cause. If the police investigated the collision and found that you were both at fault, you will probably have to pay your own damages. If you did not have the police investigate the collision, you may be stuck with the damages unless the other driver agrees to pay and admitted fault.
probably not, especially if the other party does NOT make a claim against you for the damages
Yes, you can. If you are involved in an accident and have their license plate, either file a police report and the police will get the information for you, or,contact your insurance company. Keep in mind, insurance records are NOT public information.
After a hit and run, the individual hit should file a police report as soon as possible. That police report should then be presented to the person's insurance company who will assess the damages to the vehicle.
if they are the ones that hit your car then yes, they or their insurance are the ones who have to pay.
Financial Responsibility Laws require that you be Financially Responsible for any damages you cause to another. Whether a Police report is filed or not, has no bearing on your responsibilty for the damages.
The owner of the property (if he can), the police and his insurance company.
Calling the police lets the victim file a police report to provide for both insurance and legal reasons.