If I am in an accident that causes no personal injury, but causes damage to both cars that requires new panels (and has a quotation of $3,000 to fix mine)... how do I decide whether to claim against my insurance?

I've had some people say that I shouldn't claim, just get it fixed out-of-pocket, because my premium will go up much more than what I'll collect from the insurance.

I've had others say that I should claim, because it's possible someone will come back with a personal injury claim some time after the fact.

Suppose my deductible is $1,000 and that the other driver is at fault. I own the car outright, so there is no financing involved.

What should I do? What (financial) reasoning should I apply?