<prompt> Human: So Im a broke college student with no current job and my parents arent in the picture with this and Im really not sure what to do. She came to a dead stop on the highway due to an accident up ahead causing traffic and I pretty much just bumped her a little. Leaving a dent in her bumper with more damage to my car than hers. She offered to not call the police so it wouldnt show up on my record and not go through insurance so the rates wouldnt go up and what not. She also lives in another state and said the estimate for her alignment 85 and what she says are after market used bumper prices another 900 just for that which I dont have at all. I have insurance but of course Id rather not go that route and if I do she said shes feeling a bit ill and may have to take a trip to the hospital when this is two days after the fact just trying to force me into paying. If anyone as any kind of advice that could help id greatly appreciate it. Sincerely a broke college student  <response>: please let your insurance deal with this. it sounds like youre already unsure of what steps to take if you dont go through insurance and that could come back to bite you...big time. you do not want this lady to come back and sue you so please please please for your own good tell your insurance and let them deal with it. 