depends on how much for repair, if repair only 500 around your deduct is 250
-500 of coz fix it by yourself.
if repair is more than 1000 and your deduct is less than 500 why not use
insurance.
if repair is more than 1500 and your deduct is less than 500 no brain use
insurance.
if your deduct is $1000, calculate it respectively.
if possible, report it hit and run do not say you hit it by yourself. it
depends on damage.