Does one have to report fixing a car to insurance?

Does one have to report fixing a car to insurance? So let’s say that an underage and uninsured driver hits my car in a parking lot. Not totaled or anything, but a large dent and a scratched. I know the child in the car, and his Dad tells me that he could just pay it for the damages out of pocket. If I get an estimate and get the car fixed with the fathers money, do I have to report it to the insurance? Am I allowed to just go to a body shop and get the doors fixed, and that is the end of that? Will I be in… Read More

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