<prompt> Human: I was turning right and he was slowing down to go into a parking garage. It was in my blind spot, I didnt see it. Luckily, my car suffered most of the damage and I am willing to fix the dent myself. He got a pretty large scratch on his bumper, which has to be replaced; the shop estimates the cost at 750. I have USAA auto insurance, and was wondering if I should make an insurance claim or pay the 750 out of pocket. I read on other forums that insurance tends to give people a break on their 1st accident, but I am a new driver 6 months, so I dont know how much it will help. I am willing to go to drivers school to decrease the insurance costs as well, especially if I can do it online. I do have 750 in savings, but was planning on using that money for college. What does pf recommend?  <response>: You should pay that out of pocket. 750 is probably under your deductible anyways and youll save on car insurance in the future. 