ok new years eve wasnt to good to me this year, i wasnt drunk or anything, but i backed into my friends car turning around in a tight space. thought i had 6 inches, only had 5. anyway the damage came out to like $2000 to replace and repaint his driver door of his 94 ford crown vic. i dont know if i should use insurance or not. at first i thought no way, im 17, male, and the rates will kill me. but now $2000 is gonna set me way back with my truck. ive got perfect grades, a perfect record and only used my insurance once to pay for a new windshield when a rock flew off a truck and cracked the other one. do you think that for this claim they would jack my rates like crazy. it wasnt like i was speeding or driving recklessly, just backed up an inch too far. i live in cali if that helps any, so what would you guys do?