Those aren't dumb questions at all. If there is a good side to this, my experience with almost the exact scenario had me being yelled at for not wearing brighter colors (red shirt not bright enough).
As a former courier I have lost count of how many cars I've hit or been hit by. Takes a few before you realize, as long as you walk away it is much better than just falling and hitting the ground.

Really! The ground is way down there and hard, a car hood is next to you and like a mattress. The worst part is the half hour of shaking afterwards (and the cash you spend on new parts).

Anyways, back to topic .... if at all possible do not involve your insurance company, unless you feel your premiums are not high enough and you'd like to give them more every month.