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Insurance companies require a police report. This is true.

Also, I'd be very careful about how you handle this. If you get caught for filing a false police report and insurance fraud...you go to federal pound-me-in-the-ass prison.

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This is absolutely not true. I know of several accidents that involved bumping in a parking lot, and no police report was needed.

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I was told the same too. A friend of mine backed into someone's car, they exchanged information and everything worked out. If she claims responsibility I can't see a problem being had. Even if she does deceide to screw me, I have 8 witnesses. She won't do that though, she's a sweetheart and I'm just trying to make it cheaper for her.