I took my eyes off the road for a couple of seconds. In that short time my car veered to the left striking the left guard rail on an entrance ramp. Fortunately I was not hurt but every section of my vehicle from the front bumper to the rear bumper were damaged just enough to need repair, probably replacement. I will be 65 in October, have not had an accident since 1998 or so and that was caused by the other driver; I was hit by him. The accident was reported to my insurer (Geico) but his insurance was responsible for the accident. Don’t know what to do, I am sure the repairs will be more than I can afford, but I certainly don’t need an increase in my rates. What do you recommend?