u/Vegetable-Concern830

Went through a drive thru last night and a lady rear ended me very slowly as she “didnt see my bumper.” I got her info and everything but honestly as the bumper isn’t dented and the scratch itself is not in a very visible place, id like to avoid dealing with insurance and body repair shops if possible and would just like to prevent rust and paint flaking.

The scratch is deep enough to be felt on my fingertips so I assume it went through the clear coat. Can this be touched up with some clear coat or does this truly need to be repainted?