“Since you exchanged insurance information with the other driver, you’ll want to report the accident to your insurance company.
You want to inform them in case the other driver tries to file a claim against you. Your insurance will also be able to help determine who is at fault, even without a police report.
If the other driver is at fault, their insurance should cover the damage to your vehicle. If you’re at fault, your insurance will cover the damage to their vehicle.
If you have collision insurance
and are at fault, your insurance will cover the damage to your vehicle. While filing a claim with your insurance may cause a rate increase, it’s better than having to pay for any damages out of pocket.
If your rate increases, you always have the option of shopping around to find another carrier with a more affordable rate. You can use the free Jerry
app to find the best rates online.”