A crash report is specific to Texas and offers if there's an accident in which $1,000 or more of damage occurred and a police officer was not there.
You do not have to file a claim. With that being said, most companies still require you to report all accidents, even if you choose to not file a claim. The other driver may contact your insurance company as well as her own, which is another reason to report the accident. There are a few things to consider before you file a claim. One thing to consider is the amount of damage. If you do not see the need to have your car repaired then you definitely do not want to file a claim. Accidents will stay on your record for three to five years, depending on who is at fault. Accidents will negatively impact your rates. Your insurance company will determine fault in the accident. Here
is more information on when to consider not filing a claim. In the event that you do file a claim, here
is what you can expect. Good luck and if you have any other questions, don't hesitate to ask