I was recently hit by a car while riding my bike home from work, and the police determined that the driver was at fault and wrote her a ticket. She is insured, and presumably has enough liability coverage to take care of my damages (mainly bike repair/damaged clothing, etc. and no serious injuries).
However, she has insisted that she will just write me a check for the damages and doesn't want to go through insurance. Her exact quote from our email exchange was "I am not reporting to insurance. Long story."
I'm conflicted about this because on the one hand, I'm getting reimbursed either way, but on the other, she seems to just want this problem to go away and may be affecting generosity to avoid higher premiums.
Is there a legal, or at least ethical, obligation to report this to her insurance company?