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@Airhead
You are usually obliged to tell your insurance company and it normally only affects the premium if they pay you anything. If anyone has been injured you should call the police at the roadside. Insurance companies will try to sell you their legal cover by suggesting a claim could still be made against you, this happens even if it seems pretty clear cut, later on in the process you talk to people who actually understand liability!
It’s normally resolved in a sensible way, there’s little point in hiding from your own insurance company as they can share information from other insurers anyway.
If you’re not too badly injured you’ve had a lucky escape, hope you heal up fast and her insurance makes you whole on the bike.