Want to ask opinion on something, just for my future knowledge in case same thing happened.

I bumped my parked car into another car while reversing, and I assume that the fault is mine because I go to the main road while not noticing the car. Correct?

Then, we agreed to setel luar and not make any police report so I paid the amount requested after he sent his car to a workshop. What amount is usually the threshold considering the NCD, should I say that setel luar is not worth it and we both go make police report to claim insurance?