There's a couple things to look at here. Your deductible
only applies to your collision
coverage - which protects your vehicle. If you were to file a claim, this would fall under your property damage liability coverage.
However, as you experienced with your daughter, your rates will probably increase again. On average for Ohio
, an at-fault accident (which this would be considered as), would increase your premium by 48%. I would recommend speaking with your neighbors and seeing if you would pay for the damage out of pocket, rather than involving your insurance companies. Most at-fault accidents will stay on your insurance record for 3 years. Meaning, your insurance premium would be affected by that estimated 48% for 3 years.