Because of the amount of damages and your deductible, I do not recommend filing a claim. Considering you already have what sounds like an at-fault accident on your insurance record, another one where the savings is only $385 probably isn't financially worth it. Most insurance companies will rate (i.e., charge) you for accidents for 3 years. In Washington
an at-fault accident with damage less than $1,000, your premium would of increased by an average of $238. Over 3 years, that $238 stretches to over $700 - nearly the entire cost of the damages. While the decision to file a claim is ultimately up to you, it might not make the best financial sense.