Auto insurance – submit a claim or eat the whole cost?

Auto insurance - submit a claim or eat the whole cost? Not sure - is this the right place to post this? We hit a boulder with our SUV.... at a Costco gas station (the boulder is part of the landscaping and actually sticks out past the curb by a little bit). Fortunately not having any dealings with auto body repairs in a few years, we figured the cost wouldn't be too bad / and with our $1K deductible...

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