Road traffic accidents (accidents) can be involving cars or trucks, motorcycles, bicycles, and other vehicles. If the accident is insignificant, everyone is alive and not injured, and the damage caused to the car is minimal. The participants in the accident can agree with each other on the spot and not involve the insurance company or the police. But this is extremely rare.
Most often, you have to hire a lawyer to defend your rights in court, receive financial compensation, or, on the contrary, prove your innocence in the accident.