What you should consider is how much your premium will increase after your file a claim versus what the cost of repairs are out of pocket. In Florida
in 2017, an at-fault accident increased premium by about 38%.
Now, most insurance companies will charge you for most at-fault claims for 3 years. Meaning, that 38% will hit you for 3 years. Consider if the 3 years increase plus your $1,000 deductible is greater or less than the $4,000 damages.