so i was backing into my driveway this morning and my neighbor (unbeknownst to me at the time) tried to squeeze past my bumper. needless to say she didnt make it and we had a minor collision. the damage to my vehicle is quite minor. the delimma is this. she is a russian immigrant, young, and working two jobs. i really could just look the other way and live with the dent in my bumper, or file a claim and screw her over as im sure insurance for her has to be fairly expensive. what to do?