I hit a small signpost while turning around a narrow alley earlier, and the right-side front bumper got a little dislodged, and I think the windshield washer fluid container may have been hit coz' it's leaking. I'm a little worried how I'm going to get this repaired.

It's my first car, and as far as I know, I have comprehensive insurance coverage for it, but my friends kept telling me if I claim insurance for it, I might need to provide a police report (there's none), and that my insurance premium might rise.

Honestly, though, I have no idea about insurance premiums. I'm thinking about calling the dealer shop tomorrow to inquire about how I can process this on my car insurance, but I'm not sure. Any advice, please?