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. If the repair is too much to pay out of pocket then you'll need to contact your insurance provider to start the claims process. Our State of Insurance report
shows that an at-fault accident in California
has an average impact of about $900 per year in additional premium so you will want to consider that before making a decision.