rgatijnet1 wrote:
We always had $1000 deductible so I would use it as my gauge. If the damage was $1200, I would not report it. If damage was $1500 or more, the insurance company gets a call.
Seems like if you sneeze in a vehicle repair shop it's $1200 nowadays. I would get a ballpark estimate from the shop and proceed with similar logic as noted here based on your actual deductible.
Depending on what got damaged, ie catalytic converter, expensive driveshaft, etc., the bill may be more than you're expecting.