How much was the repair bill? The only reason I ask is I had a similar incident happen. When I called it in the insurance explained what happened and how it was unavoidable, they said no problem, $0.00 deductible. My bill was total was $1500 and some change for a scratched fender and a new spring and strut(I ran over a 4x4 post that fell off a truck on the hwy in brand new car with 300miles on it at the time). My next insurance bill came around and I had a massive rate increase. When I called to question it I was told because I made a claim over $1000 it now shows I have a claim history. I explained I was told it wouldn't count against me, they said only for the deductible, however my claim history would take a hit. Needless to say they said it would drop after 3yrs. I spent WAY more in rate hikes over the 3yrs than it would have just to pay the $1500 out of pocket. And this was coming from some with ZERO claims EVER on my insurance, home or auto. I talked to my agent and he explained each insurance company has a set price for when they ding you, most hover right around the $1000 mark. Anything under wont trigger the rate increase, anything above gets you dinged
