This. Basically, a) they can't expect you to just sit there when the apparent damage is so little (e.g. in NH if the damage is under $2k you're not required to file an accident report) but b ) she basically waived her right to tell her side of the story so Carl wins. Off topic, I can't find the option to disable smilies in a post and there's no longer an option to do anything other than a "quick" type reply with limited options...