Car Damage—Insurance or Self-Pay?

Car Damage—Insurance or Self-Pay? I hit a rock driving a forest road over the weekend and have found out that it did more damage than I thought. I have a $1000 deductible with rental car coverage and accident forgiveness through my insurance, and a body shop estimated $2700 in parts and labor, though there could be more internal damage. Is it worth the premium increase to have a...

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