You do not have to report to police, but your insurance company, unless she go with you to make a damage assessment and pay you right away. Otherwise you should report to your insurance company for sure. As for police, if the damage is not over 500, you are not expected to report to the police.
無為村姑: You do not have to report to police, but your insurance company, unless she go with you to make a damage assessment and pay you right away. Otherwise ...