Unless its over a thousand dollars, I wouldn't bother.
Insurance will increase to cover whatever loss they pay out.
Whether you see it or not in premium increases, you will still pay for it one way or another.
Insurance in my mind is for emergencies of a catastrophic nature, not this type of issue.
Best of luck!
Hope this helps!
Kent - '03 Fleetwood Storm Ford F-53 V-10
With Susie (Lhasa); Angie (Shorkie) Ferbie (ShihTzu)
In Memoriam: Katie, Spencer and Zoey