30 Something Baby Doc

I got into a car accident this morning on my way to work. Neither myself nor the other driver considered ourselves at fault. It was in the middle of very busy traffic, so I directed her to a safe side street so we could exchange info and assess damage. There was minimal damage to my truck but her car sustained most of the damage. In retrospect, I think I should have called the police to have a report filed, but I didn't see the purpose at the time (we were both OK, and I figured the police had better things to do). I called my insurance agent, he said, since there was no police report, it would be her word against mine. He told me to get an estimate on my truck, and if it's close to the deductible , I shouldn't file a claim.

I really tired of paying out of pocket, when my truck was keyed in DC, I paid the cost of the repair myself. Why the f--k do I pay these premiums???