<prompt> Human: I was rear ended on my way home from work today in 5 oclock traffic. I had actually seen the guy speed up and slam his brakes a couple of times already and was thinking I hope this guy has insurance! And then wham! Damage to my car is minimal - small crack in the rear bumper. I am also fine. Called the cops, we exchanged info, the man was issued a citation. The usual stuff. Ive read I can be dropped by NOT contacting my insurance to report the accident but I dont want my insurance to go up since I did nothing wrong. Whats the best move to make? I want to comply and call my insurance company because I want the bumper fixed, but I also dont want to have to pay extra every month for this guys mistake. I really cant afford my insurance going up.  <response>: If it does, change insurance companies. You wont have anything on your record so it shouldnt go up.Contact your insurance company to let them know what is going on. 