Ganny Berkey

Question: Question about car insurance and ticket?

Today my girlfriend asked me to drive her home from college as she was sick. I used her moms car. When coming home on the arterial we were at a red light and I was getting ready to get in the right lane when the light turned green the SUV in front of me began to go then stopped suddenly, (still don't know why) As I was still crossing into the other lane the corner of my front bumper bumped her fender corner. I noticed she stopped and was on her phone so I backed up and parked behind her assuming she just wanted to make sure it was ok. Her tail lights were fine, she drove Subaru SUV so she had a pretty solid buffer there really wasn't even a scuff but a small red reflector on the bottom of the bumper that received a small crack (got a pic close up but can't see it more than a couple inches away. My headlight just has small scuff we werent worried, in NYS you don't generally call unless the damage is over 1000 but she insisted on calling the police. I kept asking if she'd like to just exchange insurance info but she said no (stubborn middle aged probably for insurance) The cops kept telling her we could just exchange info but she wanted report. Anyways, we sat there for about an hour and eventually just got the accident report and I got a following too closely ticket. Do you know how much something like this would cost in NYS roughly and if it would add points on my license. (Cant have pts for work ) Also how will insurance be affected?

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