To submit a claim you would contact your insurance rep. they will send out someone to check out the damage and take pictures. They will seek out the damage worth and many will give you a check minus the deductible.

If the damage is small it would be advisable to repair it out of pocket and not report it as many insurance companies will increase your payments whenever a claim is submitted.

Most fender benders are cheaper then deductibles anyway and you be helping yourself just to have it repaired out of pocket.