Hi everyone, I returned from the pub Saturday evening to find out a neighbour across the road had reversed off their driveway and hit the rear of my car, which I park on the in front of my house. I've never had to go through my insurance to make a claim or anything, so I'm a bit unsure as what to do. She has given me her details, so do I just ring up my insurers and explain to them? do they said someone out to assess the damage? Can I refuse to have it filled and say I want a complete new rear bumper? Or do I not have a say? Here's a picture of the damage. Callum.