A week ago I was traveling in Germany by car on an autobahn, There was no one on the road so I was in the correct lane like the law says and I was not speeding (nearly 120km/h in a no speed limit zone). Suddenly a small light appears on the lane (only one light, and it was blinking). I tried to stop and change lane (I supposed the light was there for a reason (probably a crash). I stopped nearly 100 meters after the light but I hit the light. There was a cop who told me to move to the emergency lane and turn on my hazard lights (to avoid someone crashing into me). Then she placed her car before the point where the first light was, finished placing the lights (to close the lane in a visible way), took photographs of the damage to my car and took my insurance details, and gave me a contact card of the highway police.
I called my insurance company Friday, and they told me they have to pass the case to the cross-border department. Then the cross-border department called me today and they asked me if I want to claim on my insurance to fix the car.
I'm new to insurance and especially on incidents in other countries, what should I do?
The damage isn't really big, and it's purely cosmetic (but I can't quantify it in money). The cop didn't explicitly admit "it's my fault", but her actions made me think she was assuming it was.
Is there a way to claim on their insurance, or fulfill the claim only if they are not going to reset my no-claims bonus?