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QHow should I handle the car accident I got into, no report was filed?

I hit the back bumper of a car 5 days ago, she took my phone number, license number, ssn, and called this morning stating it'll be around $1,000 with rental car etc. She stated she hasn't had time yet to bring the car in to get looked at. I feel that is too high, and she probably had a friend in the repair business look at it. We didn't file a report, I might be able to pay it out of pocket if I have to, or should I make an insurance claim? Or refuse to pay?

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