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Usually, you'd report the whole thing to your insurance company right away, especially if you were at fault. Since you don't have collision coverage (which covers your car), and your not liable (meaning you don't want your liability coverage to go up), you don't have to talk to your insurance. You call hers, tell them where you're taking the car (or ask if the place you want to take it "is on their list"), and they foot the bill.
If you want to be nice, you take the cash (any amount you feel is fair) - not their choice.
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