No matter how small the accident you think maybe, never settle things between you and the other party. The safest thing that you can do is call the police immediately, and give them your complete and factual statement of how things happened. Remember to be honest, but never become emotional or interpret the other party’s actions.
Reasons to Call the Police:
The law requires you to call the police – Failing to call the police may result in an additional fine, especially if somebody is injured, you’re blocking traffic, or have damaged property.
A police report can help form liability – There may be a chance that even if you’ve crashed your car into the truck, the accident is not your fault. And a police report can help determine who’s at fault.
A police report would protect you from fraud. – There’ll be a tendency that a driver would use you to file a fraudulent insurance claim. The accident might have been staged, and calling the police will help you detect if it is.