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Hello, all.

My 17-year-old daughter was in a car accident on Christmas Eve. Everyone's OK, though I may have a heart attack once I see how much our insurance premiums will go up. (The police officer determined it was her fault, though he didn't give her a ticket.) Our car had minor bumper damage, but the other car didn't get off so easy and had to be towed. My question for you is: Would it be better for us (in terms of limiting how much the premiums will increase) if we don't make a claim on our own car, and just buy and replace the bumper ourselves?

Also, the insurance company (GEICO) is asking for our permission to speak with our daughter since she's a minor. Any advice on whether we should or shouldn't allow that... or whether it's even a choice?

Many thanks!
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