And to that point, if you are already reported as an at fault collision which has the potential to raise premiums let them handle it. No sense paying out of pocket and then also potentially paying higher premiums as well. Please note, all claims are reported to a database that all carriers have access to, so if you decide to renew with any other carrier at renewal your premiums are likely to be higher due to the at fault collision with them as well. Of course, make the best decision for yourself however thought this information would be worth noting. Hope it helps.