Based on the link you sent this is what it says.
"The only time it might be worth skipping a call to your car insurance company is if you damaged only your own car, there are no injuries, and property damage is minimal."
You damaged your own car leads to believe that you hit someone else.
And #2 on that link says that "the other driver might file a claim." Again, leading to believe that you are at fault. No where on that site does it mention anything about someone hitting you and they are at fault so the link is not as clear cut as you want me to believe.
Again you are incorrect. Perfect explain of skipping a call to your insurance company. My daughter was driving she slid in the snow the car hit an island in the road and damaged the car. She pulled over - I went and got her - the damage was to the tire and rim and minor scratches. So we did not call the insurance company. No one was hit - no car was hit - no damage to the island. You could also hit a tree, you could drive into your garage, so many little things.
The driver filing a claim does not mean anything regarding fault - I once slid in the snow spun around and hit a tree. I filed a claim because the damage was extensive. I was not at fault because if you are in an accident due to weather it is not considered you are at fault.
Also an at fault driver is required to file a claim legally. "In Massachusetts, the law states you have 5 days to report an accident if there was an injury caused, death or over $1,000 worth of damage. You are required to file a Motor Vehicle Crash Operator Report within five days even if law enforcement was at the scene of the crash."
Yeah if someone is at fault (which would not be determined until after it is investigated by both insurance companies) - they would want to file an insurance claim to protect them from any financial costs. If they do not file they, personally, may have to pay for all damages out of pocket.
"What if You Have an At-Fault Accident?
Contact your insurance company right away if you have an accident with another vehicle that involves significant property damage or any injuries. If an investigation finds that you were at fault, your liability coverage will pay for medical bills and property damage for the other parties involved. This policy also covers your legal costs if anyone sues you for expenses resulting from the accident.
In this case, if you do not report the collision shortly after it happens, you may lose the chance to file a claim with your liability policy. If that occurs, you would be responsible for the full cost of the accident if the other driver sues."
"What if Another Driver Causes an Accident?
File a claim with your insurance company even if the other driver tries to negotiate a financial settlement with you. Unfortunately, without going through the insurance company or the legal system, you have no recourse if they fail to pay up as agreed. In some cases, unscrupulous drivers even provide fake contact information after causing a collision.
Even if it looks like your vehicle only sustained minor damage, you cannot tell if the car has more extensive issues after a crash unless you have an evaluation by an expert mechanic. In this case, you should at least get an estimate by a mechanic before deciding whether or not to file an insurance claim."
So you kind of funny that you "Know everything"? Again kind of ironic.