You should let your insurance company know. Anytime something happens, you should let them know to cover yourself. Believe it or not, their (the person who hit you) insurance company will try to weasel out of anything they can to save them money and you want someone in a high place on your side if they do. Plus it is good to let them know in case there is a problem resulting from this accident later on down the road. if this happens, your insurance should fix your problem and then go back after the other persons insurance co to compensate them. Happened to me before, trust me. Insurance companies look out for their policy holders and in your case, that is a bad thing. You're gonna be dealing with their insurance co and you're the bad guy (you're gonna cost them money ). Hope everthing and everyone is alright and good luck.