<prompt> Human: I actually pity the poor bastard. Dude fucked up and his rental car paid a worse price. All Ive got is a 6 inch crack on my front bumper. Seeing as how Im already paying more money on my premium than the average driver since Ive only had my license for about 7 months, Id prefer it if didnt go up. Surely, replacing a cracked bumper myself would save me a helluva lot of time compared to dealing with the bureaucratic mess of filing a claim -- assuming I even care enough about my bumper to fix it -- but seeing as how his rental got fucked up, either hell probably have report it, or the rental company will. Can anyone give an overview of whatll happen if I dont file a claim, while the person at fault does?  <response>: If the accident is not your fault, it shouldnt have any effect on your insurance rates.Make the claim, no reason for you to pay anything to have it fixed. 