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QAccident and insurance claim?

This morning I was driving on highway and I think a piece of metal stuck out of the road when another car drove by and it hit my car. The bumber, the rim and the tire were damaged and it will cost $1500 to replace.

1) Should I claim insurance?

2) I asked the police officer at the scene and she said I didn't need to file the accident. I forget to ask why. Should I do it now (for the purpose of making insurance claim)?


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