You should always tell us about any incident you're involved in, even if there was no damage to your own vehicle or the damage was small and you don't need or want to fix it. This is what we mean by 'notifying' us of an incident.
If your vehicle is damaged and you need or want it to be repaired or replaced, you'll have to 'make a claim' and, if you have comprehensive cover, we'll pay the costs. If you were responsible for the accident, we may also pay the costs of the other person involved. If the accident was someone else's fault, we'll claim back the costs of repairing or replacing your vehicle from their insurer.
Even if you don't notify us about an incident or make a claim, we may pay the costs of the other person involved if you're responsible for the accident.