I would recommend waiting to hear back from your neighbor about the estimates. That's really going to be what helps you make your decision. If the repair costs are reasonable, you might consider paying for the damage out of your own pocket. Page 57 of our State of Insurance Report
shows that, in Florida
, an accident has an average impact of around $300 per year on your rate and the accident will affect your rate for 3 years. Avoiding a claim is always the best practice, but if the repairs costs are astronomical then it may make sense to just claim it. The other good thing is that you won't have to pay a deductible since it should be covered under liability.