You don't have
to file a claim; that decision is completely up to you. If you want to be compensated for your vehicle, though, you will have to file a claim. Keep in mind that your policy must include collision coverage
and your vehicle must be worth more than your deductible for you to receive any insurance payout for the car. You will want to consider the value of your car, pre-crash, and your deductible and decide if the money you will get is worth filing a claim.