All, Please I need advise on what to do. About couple months ago I had an accident in eastern freeway. I was riding on the most right lane then all of the sudden a car (Car X) changing into my lane. I was able to avoid this car, but after that I lost my balance, my front wheel slipped and the bike fell. Upon falling down my bike hit a car (Car Y) in the front, hit the bumper. However the impact on Car Y was very mild. I hardly saw any damage on the bumper, but the driver said that the impact caused a little scratch on the bumper and it also got bend in a little bit. I rubbed on the area that he said got bend in and I felt it. The driver of Car X was sobbing and said that it was her first time driving on freeway. And so, we exchanged particulars. We decided not to call the police on the spot because the driver of Car X said we can solve this problem personally. So, I believed her. The next day I called on her mobile phone and she didn't answer. The driver of Car Y also didn't get any answer from her. The insurance company of Car Y also didn't get any answer. On that same day I reported the matter to the police. The police also didn't get any answer. The police said they will keep trying to contact her and send somebody to her house if need to. A few days later the driver of Car Y became impatience, decided that I'm at fault, and pushed his insurance company to make me pay for the little damage on his bumper. I explained the insurance company that it wasn't my fault. The accident simply happened because Car X was changing lane carelessly. The agent didn't care about what Car X was doing, what they care about was that I damaged his client's bumper. So, for the last time I told the agent that I refused to be put at fault. This was in December last year. Until today, I haven't got any feedback from the police. The report isn't done I'm sure. And I'm pretty sure the police still can't contact the driver of Car X. Yesterday I got a letter from ARMS Global Pty acting as debt collector on behalf of the insurance company of Car Y. Forcing me to pay $1,557. With the letter they attached the invoice from the workshop. The driver of Car Y said that his bumper got a little scratch and bend in a little bit. But the invoice has two pages, listing about 40-50 items. They don't have police report. What should I do on this matter? Help anyone?