Car Insurance

I had an accident yesterday (looking back we were both at fault) at first i told the girl i would take care of it but now i am thinking we should file a report and go the conventional way? anyone have ideas/insight/experience on/with this?

This is a no fault state so call you insurance company and let them know. if you did not get the police involved with an accident report then it will be the insurance companies working out who will have to pay the most. tell the truth when you call.