If you get it fixed by an independent it will certainly impact your warranty for any electrical problems the car may subsequently suffer from. I'm afraid it's an 'ouch' moment. We all get them. I wouldn't involve your insurer. A right foot braking woman on the phone driving a Focus Powershift ran into the back of our car Saturday before last. Far better to agree to do nothing and patch up the damage as best we could. No point in making a big deal of it.