<prompt> Human: I accidentally backed into my friends car in my driveway. I saw it there but judged the distance poorly. There was no one in her car at the time. Damages to her car are cosmetic but estimated to cost 1350 to repair by my auto body guy. She was planning on selling it very soon 2007 Jetta. Its worth about 3000 Im guessing. My 2012 Prius also has some minor bumper damage but I dont care about that right now. Ive never been in an accident before or received a ticket. My insurance is around 500 a year Geico. Friend is totally cool and saying I can fix this any way I want.Whats the bestwisest way to handle this? Am I better off paying to have her car repaired, or involving my auto insurance which will invoke the liability not collision part, from what I understand? How much will my premium go up? I had been receiving an excellent driver plus discount for having no accidents or tickets- obviously not so excellent anymore! Or maybe theres another solution?Thanks guys. I feel like an idiot.  <response>: pay to repair the damage out of pocket 