I would assess the damages and if you can pay out of pocket, do so. While the claims department might disagree, this sounds like it would be an at-fault collision claim. If this is the case, they would cover the claim would charge you an at-fault claim. Which would stay on your insurance record for 3 years. On average in Colorado
in 2017 raised premiums an average of 39%.
If the value of damage is less than this, I would recommend paying for it out of pocket.