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so after school today before football i was going to go to subway with a couple friends to get some food. i turned right and was going slow (10 mph) looked down at my ipod and BOOM. went strait into the car in front of me. so we pulled over. no damage on my car except for paint and hers had 2 bumps were the screws for my lisence plate are. i tried to convince her not to call the cops but she did and they wrote up a report. i got a $103 ticket for following to close. so idk whats gona happen. If i go to her to pay for all the damage will that still affect my insurance even if she doesnt call them??? anyone have help for me or things i should do. im paying about 1800 per year for insurance btw.
sparknote- got in accident, my fault. no major damage/ no injuries. how much will my insurance go up? anytihng else i should do?