[TerryH]

A. Cost of repair vs deductible and possible future insurance rate hikes

B. Cost of repair vs resale value w/ and w/o repair.

C. Is it too hideous to ignore? If there's paint loss you may want to at least use rust preventative.

I use insurance for catastrophic reasons only. My deductibles are too high for minor issues. I have filed one insurance claim in my lifetime and have learned my lesson. Insurance is a legalized scam, they get it all back and then some, with rate increases.

Guesstimating I've spent $90K on car/home/buisness insurance. I claimed $4K about 8 years ago and my rates increased for 2 years and covered more than the amount I claimed.