<prompt> Human: The car in question is a 2006 Pontiac Vibe. The damage is not very bad new fender, left side headlight, wheel well?. It just happened today when I went over an icy bridge, spun out, and hit the guardrail, no one else was involved. I drove home and the car drives fine, I made an appointment tomorrow for an inspection to make sure itll be alright. But Im not sure if I should pay out of pocket and get the damages repaired, or file a claim which could raise my insurance. Does anyone have any advice on what to do? Any formulas I should use to decide?  <response>: If you can afford it I would certainly pay out of pocket. An accident record for an 18-year-old male is going to drive your rates up more over time than the repairs will cost you. 