We had to file a claim a while back (different issue). State Farm told us at the time that there was a dollar threshold for payout, under which there would be no increase in premiums. The amount to fix the car was about $200 over that threshold, which would have increased the premiums by about $100 per year so we worked out a deal with the repair facility to split the bill into two parts and we paid the overage out of pocket. You might want to check with your company.
2018 Coachmen Crossfit/Beyond