Do I have to notify my auto insurance company if I was in a wreck?

Do I have to notify my auto insurance company if I was in a wreck AND it was NOT my fault? This is what happened: I was completely stopped because everyone else in front of me stopped in the middle of the road (some idiot in the front slammed on the brakes). A lady rams my rear end because she wasn't paying attention. My car got damaged, her's didn't. How do I go about claiming it? Is her insurance company going to pay for my repairs? Do I need to contact my insurance company at all? I don't want to pay anything and I don't want my rate to go up. Something I was planning to do way before all this happen was to change insurance companies because I can get the same coverage for less with someone else. Now if I tell my current insurance company that I was in a wreck and it was not my fault, would my new insurance company give me a higher rate than what I would've gotten if I didn't tell my insurance company?

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