What you should consider is paying for the claim out of pocket (so, the $1,000 in estimated repairs) is greater or less than your deductible plus the rate increase you will receive. Your insurance company will see this claim as an at-fault car accident and thus will raise your rates as a result. In 2017
in Iowa, an at-fault accident raised rates an average of 53%. This will stay on your car insurance premium for 3 years. So, using your current premium as a base, consider what an additional 53% of increase would be compared to the $1,000 of out of pocket repairs. Also, bear in mind you do not have to file a claim immediately. While it's also recommended and the easiest path, the statute of limitations for a property damage claim in Iowa
is 5 years.
If you are able to file a claim later down the road, you still have time.