As Nightravin said, depending on you deductable you may not want to report it. Try to estimate the cost of the parts to repair this. If it is less than the deduct, don't bother. If it is more than the deductable you might want to report it. But keep this in mind, your yearly premium is based in part on your claim history, and reporting it might cause you yearly rates to jump quite a bit, making reporting this accident more expensive than if you paid out of pocket. There is no requirement for you to report a "no fault" accident. Hope this helps...and sorry to hear about the Boo-Boo.