Im sure a right and wrong party can be identified. But is it really worth it? If damages are so minimum and you and the other party can agree to take care of your own damages, then I say its a good idea.
The insurance company is not liable for paying damages. The minor was knowingly breaking the law by driving w/o a license. The parent of the child will be held liable for damages. As will the person/owner of the vehicle if they knew the minor was not a legally licensed driver. If you let an un liscensed/uninsured minor driver your vehicle, your asking for it. If you werent the parent of the minor, they could sue you as well for neglect.
You pay for all damages if you were at fault, and get a citation and fine for not having insurance.
A victim is someone that has suffered from an accident. Whether the injuries were serious or minor, the person that did not cause the accident is often entitled to damages and funds for pain and suffering.
Parents
Actually, I think her parents are responsible for any damages because she a minor, so the parents the ones who will be sued or have to pay for any damages of the minor child.
The owner of the car and their insurance company are responsible for paying for the damages as a result of the accident. To avoid this problem, you can start hiding your keys.
You call your insurance company and report it. if the accident is your fault, with very minor damage, you would be better off paying for the damages yourself, rather than telling your insurance company and having your rates go up.
The amount typical is commensurate to the actual damages and accompanying losses incurred by the claimant.
A fender bender is a minor accident.
They can sue you to have you pay for the damages, but they'd have to have proof or witnesses that you really did hit them. Either way, take it as a warning and get insurance. It wouldn't be fair if you were to cause an accident, even a minor one, and not being able to pay compensation to the ones involved.
You have 1 Year after a minor accident to have a claim
What would you file a claim for? The vehicle is not yours and it's a minor accident with no injuries, so you have no loss.