Considering that you have a young driver on your policy and your rates are already inflated due to a recent claim, I would recommend getting a repair estimate first to see if you can afford to pay for the damage out of pocket. At fault accidents in Texas
have an average impact of about $850
extra per year for 3 years from the date of the incident, and you may have to pay a deductible for each vehicle. If the repair estimates are less than $3,000, assuming you have a $500 deductible, then it would make the most sense to pay for the damage out of your own pocket.