ok.. i just got into an accident a few hours ago.. i got rear ended.. so it should be 100% their fault.. i've never experienced this kinda situation before and i just want to know about a couple things..

i got the other party's info including everything on her insurance company card, her driver's license and her phone number.. my question is which way is the best to go? should i contact my insurance company about this accident and let my insurance company contact her insurance company and deal with everything? or should i just deal with her by myself? if she wants to pay it through insurance, do i have to contact my insurance company too? and since the lady doesn't speak english very well, would it be better to send her a letter with the estimate? right after we got into accident, she was kinda forcing me to take my car to this body shop (she can probably get discounts there) but i didn't go because it was too far from my area.. do i have the right to get my car fixed anywhere i want? btw, the damage isn't too bad.. it's not very noticeable but there's still imperfections on the rear bumper and it kinda pisses me off.. my license cover is broken so i definitely need to replace it.. i already got the estimate and i just wanted to ask you guys here first before i take actions..

o btw.. my friend got into an accident a long time ago and got a new body kit with the money he got from the other party's insurance company.. how can this happen?

thanks in advance..