Just a bad week

Nothing but bad luck last week. Got into a fender bender. No real damage to the car in front of me but since I was the one who hit him in the back we exchanged insurance information. Didn't call the cops but either way I called my insurance company. I didn't want to bother with trying to settle it from with the owner of the car since I don't know what she would decide and it seemed silly to risk wasting time on it. The driver wasn't the owner. I do pay insurance for this but I hope my insurance rate won't go up. What do people do in brooklyn? This was my first time so I didn't know what to do.