I would not file claim. Even if you have a $500 deductible
, which is common, you would receive $66 in payout. For your state, Michigan
, an at-fault accident would (which this would be considered as) raise your rates an average of 47.05%. If, however, another person caused these damages, you could file a claim under their insurance company. This would not affect your insurance premium. However, this is the only case where I would file a claim. Otherwise, I pay for the damage out of pocket yourself.