hi i hope u can help me… i just park and went to the bank…and noticed 1 car parked behind me but when i got back it was raining i didnt bother looking around if the car was still there… and i back out slowly coz could not see anything from behind and suddenly hit something but dont know what it was… i figured it was the car that i saw a while ago or maybe he just came up behind me and hit me… but the officer collision officer is asking for my insurance which means it is my fault? what should i do…. should i ask them to do a full investigation? bcoz my car only had a scratch from the back of the bumper and the guy who reported to collision was saying that his car was damaged and is asking 600 dollars… what should i do about this its my first collision…