An at-fault accident in Ohio
raised rates an average of 48% in 2017 according to our State of Insurance
. Now, that increase will stay on your insurance record for 3 years - meaning, you will continue to be charged for 3 years. If you were to file a claim and have a standard $500 deductible, you only only receive $500 in payout if the damage is around $1000. It's very likely the premium increase you would receive over 3 years is greater than the $500 payout. Because of this, I would recommend paying for the damage out of pocket. However, the choice is up to you. Best of luck.