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hrm, the only time i've ever hit anyone (well, more like a tap--i was going maybe 5 mph) i took responsibility for it. i was slowing down for a stop sign and hit a patch of black ice, bumped the car in front of me. we got out and looked at it but there was no damage to either car. we exchanged info anyway and a week later he called to tell me it was his gf's car and she noticed a scratch on the bumper. so, i shelled out $400 so they could get it repainted.
i didn't even bother with insurance because even though the ice contributed to the accident, he was stopped and i was moving--it certainly wasn't his fault.
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