Non-reportable crashes: Everything else that does not fall under the above category. These types of crashes fall under "fender bender" accidents. The police departments are NOT required to investigate or even respond to these type crashes. Most departments will do so as a courtesy to the drivers, but nothing requires them to handle them. These types of accidents are when drivers exchange information with each other directly. After doing so, the drivers have an option to go through their insurance company or they can handle it themselves without insurance company involvement. These type of accidents dont require a police report to be kept on file. Again, most departments will respond and handle these types, but there is NO requirement to do so.

В общем ясно, кто-то кого-то догнал, поцарапал бампер и т.д. По-сути страховой похрен на то, кто там виноват т.к. сумма незначительная.