I was in an accident yesterday we both decided that the damage was minor exchanged info took pics left now I’m getting calls that they want money for their damage in the amount of $400. I have a strong feeling they don’t have insurance i told them to contact my insurance if they want anything because i don’t believe i was at fault the woman calls me back up that she called my insurance company and they without even contacting me immediately told her to take her car to get a quote which sounds like a lie there is no police report and no ones contacted me from my insurance should i worry? Are they even allowed to do that without the insurance contacting me?