[wakeboarder109]

So a few weeks back I slid into a ditch and cracked the front bumper and kinked the left fender on my Honda Accord. The car is a year and a half old but is a '13 so still fairly new. It's not a huge deal but since i take customers out for work I would rather have the car fixed properly. I have an estimate from the shop I'd like to have fix it and the bumper, fender repaint and its roughly $1,500.00.

To anyone who has ever filed an accident with their insurance company, how much would rates go up for a minor repair like this? I have never had an accident but just switched to USAA within the last few months. My deductible is $500 as I am very careful with my cars. Should I just pay it out of pocket and call it a day?