We had to slow down and then ultimately stop because 5 deer crossed the road. A driver hit us from behind about 3 seconds later. The damaged seemed minimal on my car but was more extensive to his. We did not call the police, he admitted fault etc. We agreed that we would get the estimate for both cars and he would like to not put through insurance. Damage was done to my back up sensors….. estimate is $800.00. Which was more than expected. He will now be putting it through insurance. My daughter was driving the vehicle and just got her permit (Wisconsin). Not sure what happens on that end, especially since it was not her fault. In Wisconsin, until she gets her license she does not need to be on insurance and is covered through me. I have not notified my insurance agent at this point. His insurance agent is recommending filling a claim. At what point should I notify my insurance agent? I don’t want my rates to go up or my daughter’s rates before she is even insured. Also, I can find nothing about the rules of what happens to a person who has their instructor permit and is involved in an accident for Wisconsin. Any information, recommendations of next steps etc. would be great.