[aznatama]

If someone backed into you, THEY should be the one paying for it. It won't affect your insurance premiums. Looks like you know who hit you, so shouldn't be hard to claim. You got pics too, so I hope you got their plate.

However, it should be very easy to fix w/ touch up paint, but you'll need to learn how to do it properly. It's not a simple "glob on paint" fix. there's plenty of info on how to use touch up paint.

As for future issues, you may want to look into Xpel or some sort of clear bra for your bumper.