<prompt> Human: Sorry Ive never been in an accident and I had no idea where else to put this, but I need help. I just got into a car accident about an hour ago and my truck had very, very minor damage. All that happened was a dent on my bumper the width of two fingers and a broken tailight. The lady who crashed into me doesnt have insurance but has some cash. She offered me 500 to not report and pay my damages which is about 350, but I still wrote down all her info and took photos of the scene. My question is, should I take the money and not report it? Or file a claim?  <response>: Always call insurance. Always. You dont need to have them pay a claim out, but you should record the accident.Insurance is not just there to pay for damage. They are there to protect you if the woman who hit you decides to go to a shady personal injury lawyer and say she has a sore neck. 