I hit a curb and it caused a flat tire, dent on my front bumper, and some internal issues. When I brought my vehicle to the mechanic, they said the total fix would be $560. My deductible is $500. I replaced a tire myself and the mechanic’s initial diagnosis cost $200 so I see that the full repairs would be $760. Is it worth it to file a claim through my insurance or just pay out of pocket? I know this will impact my rate but I don’t know how much.