Average house insurance in Canada?

Car Accident! Insurance HELP!?

• Ok so i rear ended a car last wednesday, and me and the person i hit pulled over, and since it was both our first time being in an accident, i preferred not to put it through our insurance, due to the risk my insurance will go up, so i offered to pay for the damages out of my pocket, and she agreed. So the person called me and i told her to get an estimate and ill pay it off. She agreed and got an estimate, and i agreed to pay it off. I got the money and I went to their house and i gave them the exact money for the bill. After giving her the money she tells me that her husband filed a police report, but she said it was ok and not a big deal. So i went to the police collision station and completed the report, only to find out that they required my insurance, and that i need to report it to me insurance company. WTF!! we both agreeed not to put it through my insurance and I payed her out of my own pocket! I got a case number from the police station and they tell me to report it to my insurance company. So now i dunno what i should do. I have a clean driving record, no accidents no nothing. So should I report it to the company? Or if i tell tem would they not know? And would my insurance rate go up now? I live in Canada Ontario. Thank you Very Much!

• Answer:

  You need to let your insurance company that you paid her. I hope you got a receipt. Your insurance company will pay her since you already, by paying her admitted fault. So let them know by giving them a receipt or she will get paid twice plus your rates will increase. What a b**ch!