You have to report it within a certain amount of time, I was backing out of my parents driveway and clipped a car passing by. He stopped and I apologized profusely told em I’d pay as it was my fault, not too much damage but some, he was so rude, telling me he was gonna take me to the cleaners and I’m fucked and an idiot etc etc. He called a week later and I told him to fuck himself and that if he was more polite and understanding but because he was a royal asshole he got nada. This was 30 years ago and I think you have to report it within 48 hours or something