I was making a left turn in apartments in night time and suddenly a car came from the other side made a slight rub with my car. The other car had a minor scratch and noting happened to my car even a single scratch. the lady in the car demanding insurance information from me but I dont have any insurance ofor the car and i am taking my 8 month baby in my car. First I was scared as I dont have insurance, she might call cops. She said she will not call cops if I can take care of it. But I was not sure whose fault it is. its like a 3-way (T road) I took left first and sawthis car coming very fast. I stopped by she didn't hit my back by slightly rubber the car (like door to door). she didn't give her DL and insurance info.
What should I do now ? Is it my fault? Should we go to court? there is no damage..noting to my car. As it was raining I am not sure if she really hit my car. may be..but not sure.. there is no third party witness also..
What can she do If I argue that its not my fault?
please provide ur input on what you think..