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Get a free third party quote for repairs before calling insurance. if it exceeds your deductible then go ahead and make the call to your agent. The second you call your insurance, you are in effect initiating a claim even if you do not actually make one and they will ding you for it. We were told this by STATEFARM, no reason to not believe other insurance companies act the same way. Sounds like your damage is severe enough to warrant putting in a claim... but not necessarily, everybody has different situations. Sorry for your loss.
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2017 RAM 3500 Laramie CCLB Dually CTD Aisin, OEM auto level rear air-ride, B&W hitch
2020 3813MS Legacy Cobalt FBP, MORryde 8K IS & pinbox, PI EMS,DIY mods by in-house "craftsman", RV security system Mk1 Beagle Alerter
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