Rental Car Small Accident Situation - what Can I Do?

Seeking advice on what to do in this particular situation.

I live in Colorado. June 2016, vacation in St. Thomas USVI, rented an economy 2015 Toyota Yaris. Declined the LDW from the rental agency because I have car rental insurance through my personal auto insurance, and through the credit card.

The roads in St. Thomas are atrocious. Excessive potholes, rocks, dirt roads, steep hills, steep switchbacks. Anyone can have a minor "accident" even while exercising caution. I know this now in hindsight.

Late at night, first night, unfamiliar with the terrain, on a dirt driveway, I scrape
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