I bumped into a car on a freeway. The traffic was very slow and fortunately, damages were minimal. The car I hit was a brand new Honda Accord, and it affected only the rear bumper with minor scratches and small dents. Damage to my car was also on the bumper which is more than her’s which I think I should get it fixed at some point. I am at fault here. Initially, she called police and then she decided we can settle offline. I worried about my premiums going up so I agreed. She is going to get a quote on how much it costs to get it fixed from a body shop. She also said that I may have to pay for her car rental for a day or two. Meanwhile, my deductible is $ 500. If it is not going to affect my premium much, I would like this to go through my insurance. It will be more hassle-free. What would be an optimal way to address this issue? Whether pay her directly without involving the insurance or going through insurance and getting both cars fixed? Thanks
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