My question involves an injury that occurred in the state of: Minnesota
On my way to work Monday, the car in front of me was cut off by another drive. She slammed on her brakes, I slammed on mine and tried to pull to the left but itr wasn't enough, I hit the side of her car with my car. A police officer showed up and said that since the damage can be buffed out, he wouldn't fill out an accident report but he would fill out an incident report if we wanted to claim insurance. Now she is threatening that if I don't pay out of pocket to fix her car she will submit to insurance.
My question is how does this work in a no fault state? If she submits a claim, do both of our insurance premiums go up?
Thank you for your reply!
Dan

