Had a tumble

Hi all the wife had an off last thursday on a back road which was covered in gravel It is like this all year round) The gravel washes down from a gateway. The local farmer said that it is the councils land and he has asked them to tarmac it but they refused. We have contacted the council and they have asked us to send photos of the road. My question is do we need to go through the insurance company or do we do it alone as its only about £150 of damage to bike. The wife hurt the tendons in her arm but is o.k.
Any advice would be gratefully recieved. Kev