Comment by eszed

Was going to say the same thing. I've had three of these sorts of "crashes": once was my fault, but no damage, so I apologized and we shook hands and drove away; once was their fault, but same result; third was unambiguously his fault, but I laughed and told him it was his lucky day that the scratch down the side of my car was only maybe the third worst on the beater I was driving at the time. That guy's bumper was all but ripped off, but (though we exchanged details) I never heard anything more about it, so I'm damn sure he never went to insurance. If you count only the (my fault) first of those I'm well ahead of the once every 200k miles average someone proposed up-thread - though if you count the time I ripped off the underlip of my bumper parking in front of a too-high curb, I'm probably back at par.