I was driving down the freeway when a big fucking rock (literally half the size of a brick) was kicked up by a car in front of me (the car that kicked up the rock was in the lane ahead of me and to my right–I wasn’t tailgating). The rock careened off my hood, denting the hell out of it and putting a couple of deep gouges in the paint down to the metal. It then smacked into my windshield (luckily not breaking it) and over my car and away (the brick was no doubt thinking “here we go again”).
Anyway, my deductable is $500. Let’s say the cost of repair is $1,000; would it be worth it to file a claim for the difference, or would it cause problems with my insurance that wouldn’t be worth the savings? At what level of repair costs would I be better off just paying out-of-pocket?
Any insurance people here who could give me some good advice?