If you do choose to submit a claim, you will be required to pay your deductible first before your insurance will cover the damage. If you have a higher deductible, the cost to repair the damage may be less. If so, you’d be paying out of pocket for damages.
Any time you submit a claim, your premium may change. How your insurance company rates policies will determine the possible increase.
Without collision insurance, you wouldn’t be able to get the damage covered by your insurance. To not pay out of pocket, you would need to file a lawsuit against the other driver to try and recover the cost of damages.”