I went into the back of someone's car at a fairly low speed - I would have been doing 15-20mph before I started braking. It was 100% my fault.
The other car appears to have sustained nothing more than a couple of minor scratches. I've slightly bent my bonnet (which I won't be repairing - my car is ancient so not worth it).
At the site I gave the other person my business card, which was all I had with me, so she has my contact details.
She said her DF is a mechanic and we don't have to go through insurance.
She's now texted me to say that her car is making funny noises when she drives it. DP reckons this is highly unlikely because there was nothing more than scratches on it, and it was the rear of the car, and that I can now expect a fabricated and inflated bill for something not caused by me. She also wants a photo of my driving licence.
I'm thinking of telling her to get quotes, and if they seem extortionate, then ask her to go to a local garage of my choice, to prevent her mechanic dad inflating the quote. If it's a lot / she refuses to get a second quote, then go via the insurance.
I've never had to claim off car insurance before, and only have 1 year NCD (didn't have a car for a long time).
So, MN wise ones, what should I do, and am I at the start of being scammed?