Yeah insurance will not be involved at all. I only had liability so the car is out of pocket anyway, but it does cover the fence I hit....but reporting it and having them pay will inform them of the wreck so we are just going to get a letter signed and noterized saying that we payed the guy his money for the fence and get the ticket thrown out when I have to go for it. Thats the plan at least, cause if insurance finds out my insurance is going to rape me and I wont be having any car.