Let me just explain this. Whe it’s a small fender-bender between two insured drivers, it’s a Civil Matter. The police (at least around here) have no interest or authority to settle civil matter. And you have no business wasting our tax dollars to help you in your small civil matter.
Now, yes, if there’s a Public Safety issue involved: injuries, uninsured driver, drunk driver, road hazard, etc- then do call the Police. But not when the only issue is whose inurance comapany is going to pay put a couple thousand dollars.