Normally when you borrow a car and have an accident, the insurance on the car you were driving is what pays for damage that you cause. What makes the situation more complicated is that you own the vehicle that was hit.
Regardless of the amount of damage caused in an accident, drivers should still exchange insurance information. Normally in the event that the police are called and a report is written the information of both drivers is documented, including insurance information.
While it is normally up to the party who was hit to initiate the claims process with your insurance company, you can always be proactive and contact your insurance provider to let them know what happened. You can provide pictures and the details of the incident to the claims department, but no repairs can begin until the other party decides to start the process.
She really has the option to go either direction and her rate probably wouldn't be impacted since the other driver was at fault. If the other driver wants to pay for the repairs out of their own pocket then should wouldn't need to file a claim.
Since both of the damaged vehicles were a result of the same incident then it's likely that your insurance company will only consider the entire claim one accident. Our State of Insurance report shows that at-fault accidents have an average impact of $899 per year in additional premium in California.
It really depends on what the repair cost will be. If the other driver gets a few repair estimates, you should have a better understanding of whether it's worth paying for the damage yourself or filing a claim.
in the state of Arizona, you technically have up to 2 years from the date of the incident to file a claim. While I would not recommend waiting that long, the point is that you are still well within the window to have your insurance cover the other vehicle's damage.
Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report.