Hello, today it snowed heavily in the south of Germany, the roads were very smooth and so my sister was involved in an accident. Apparently someone drove up on the back of the car. I just looked at the damage. The black disguise under the bumper is torn down, there are several scratches on the bumper. I could not see more in the dark and snowfall. The police were not called, but personals were exchanged and number plates Now I ask myself, how further will we proceed, also with regard to the insurance? Should the accident be reported to the own insurance even though the other one is to blame? How does it work with the damage regulation?