So I just got rear ended by someone I believe who was texting and driving. She was nice and admitted fault, cooperated and gave me her registration and license and license plate number. The damage is fairly minor but Im not sure what to do. I did spend a lot of money on the car but I was hoping someone could give me some validation of whether I should file a claim with my insurance or not. The downside I see is anytime you get insurance involved wither party's rates can increase and I'll have an accident marked. If I do nothing then I have to live with an eye sore on the rear bumper of my brand new 60k car.. Really appreciate any feedback.