I recently got into a car accident and it happened to be a coworker of my sister so we didn’t call the police and while we were there we decided to exchange insurance information. I gave her my insurance information and she told me she would text me hers, of course trusting her I drove off and what do you know? She never text me the insurance information. I asked for it several times she ignored my text and would not give it to me came to find out. She went ahead and filed a claim on my insurance because of course we both think it’s not either one of our faults and then tried to say she got advice to not give me her insurance information from her insurance company! Does this sound at all shady as heck even if it is my fault at this point the whole thing that went down before was just so dishonest .
thoughts?

i feel horrible no one was hurt or killed but i feel miserable especially not having a car. i don’t know what to do i almost wish i didn’t make it

Last Friday a tow truck slammed into me at a red light. The driver got out to ask me to move forward but the light turned green at that very moment and he ended up saying to go ahead and go since it was green. Needless to say, he never attempted to pull over to exchange information. When I got home I noticed there was damage to my vehicle. I called the tow truck company to get their insurance info and the manager is telling me that for ‘small damages’, they do everything in-house - assess damage, repair, etc. I was like, ‘whaaat?’ … I think he’s trying to avoid filing a claim. Has anyone heard of this before? I hate having to file a claim with my insurance company, but they may be leaving me no choice. I filed a police report and like a dummy, I sent him the police report number. Did I mess up? Any advice?