This can be a tricky one. If you have uninsured motorist coverage
, which isn't required in Texas
, you could file an property damage claim. This would come with deductible. While it can vary by insurance company, most uninsured motorist claims don't impact your rates, as they're not your fault by nature. Some insurance companies do raise your rates for these claims, which in case I would recommend shopping for car insurance elsewhere. If you don't have this coverage, you would file a collision claim, which will impact your rates with nearly all insurance companies. For Texas, an at-fault accident raises rates in 2017 an average of 48% according to our State of Insurance
data. Now, you would need to consider this over a period of 3 years, as that's how long most insurance companies would raise your rates for. Because of this, if you don't have the uninsured motorist property damage coverage, I would recommend getting an estimate for the damages from a local mechanic shop. If the value of the repairs is less than the rate increase you would receive plus your deductible, I would repair it yourself.