Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision
claim. If you do file a claim you would need to contact your insurance company's claims department and let them know what happened. They will fix the vehicle minus the $500 deductible you have. You may want to get an estimate and pay out of pocket though. Filing this claim would be considered an At-Fault Accident and can lead to rate increases on your insurance for 3 to 5 years. How much your rates will go up depends entirely on which insurance company you have. For instance, Allstate's average rate increase in year one after an at-fault accident is $9. State Farm, on the other hand, averages an increase of $973 in the first year after an at-fault accident. Check out the link below for even more information.
I hope this helps you move forward. Remember that The Zebra
can help you shop around for the best rates. Thank you and have a good day!