* No-Fault States: Even in no-fault states, if the damage is beyond a certain threshold (which varies by state), you might still be required to file a claim with your own insurance company, but you likely won't be able to sue the other driver for damages unless the injuries are severe. A small bumper nick is unlikely to exceed this threshold.
* At-Fault States: In at-fault states, the person deemed responsible for the accident is responsible for the damages. Determining fault in a parking lot incident can be tricky, but if you admit responsibility, you are at fault.
* Insurance Considerations: Regardless of fault, if the damage is very minor, it might be cheaper to simply pay for the repair yourself rather than involve insurance. Filing a claim, even a small one, can lead to increased premiums.
In short, while a small nick might seem insignificant, you should still:
* Exchange information with the other driver if possible. Document the incident with photos.
* Report the incident to your insurance company and follow their guidelines. They will assess the situation and determine the appropriate course of action.
Don't assume anything about fault or no-fault coverage without talking to your insurance company. Their advice will be specific to your situation and location.
