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I worked nearly 50 years as a property and casualty insurance broker, representing literally hundreds of insurance companies. Given the size of the claim and type vehicle, I personally would bite the bullet and pay for the damage myself.  Not knowing your age, but assuming that you are on the more mature side of life to be able to afford a C8,  insurance companies typically underwrite more cautiously as drivers age. After age 70, it becomes increasingly difficult to find a new insurer and/or affordable rates. I carry minimum $1000 deductible on all my vehicles and home, and would not even consider turning in an at-fault physical damage  claim less than $5K.  In the long run,  it's better to pay for the smaller claims yourself and save the insurance claims for the "big one", typically a large physical damage claim (total loss), or worse, a major liability claim that could wipe you out financially. I also recommend that you carry an umbrella policy of no less than $1 million over your basic liability coverage for your cars and home. They are not expensive and can save you from a lifetime of financial ruin. Over the years,  I told many clients that there are two things that you need to know about insurance, and  I wasn't being facetious: #1: You never have as much insurance as you think you have,  and #2: All insurance companies are chickenshit when it comes time to pay up. Good luck!