Car accident insurance question?

Car accident insurance question?

Last week someone backed up into my bumper while my car was parked. They were very nice and left a note, and we were in the middle of sorting things out. I got an estimate for the damage, but we had not yet done anything with their insurance company yet. Today my boyfriend was driving my car, and he spun out and totaled the car. His insurance should be able to cover it, but how should I go about for the insurance with the first person? Do I need to tell them about the accident or is it not necessary? We haven't yet filed the insurance and so I don't know if it will be a problem. Any help is appreciated.. thanks

 

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