I apologize in advance if this is in the wrong board, I'd just like some advice on what to do in this situation:
So it was completely my fault. I was at a stop sign waiting to make a left turn. I noticed some people to the right of my car waiting to cross, and I wanted to let them cross so I backed up about a foot and hit the car behind me (like an idiot, I didn't check my mirror). There was no visible damage on the car I hit, and there was no damage on mine besides a few small scratches.
The lady I hit said she was in a hurry and had to go, but I gave her my name and number if she wanted to discuss the accident further. I'm certainly no expert on any insurance policies or whatever, I'm only 16. What is the most she would be able to charge me, and is she likely to charge me at all for a scratch on her hood (if it's there)? Also, what is the best course of action I should take regarding insurance and such?
It's worth noting I have a New Jersey learner's permit, and was driving my Grandfather's Buick with him in the car (he didn't think it was a big deal).
Thank you so much!