Sorry to hear about that. I bet we've either all done it or have come close. its a learning curve. My own mistake was pulling into a garage with my Yakima car top carrier on the car. My DW tried the same thing but with our bikes on top. Neither of us got very far
As sherdep said, make sure to cover it well - don't want the problem compounded with water damage.
Get a quote from your shop and talk it over with your agent. I personally don't submit until I hit $1,000 plus in repairs. Everyone has their own $$ amount that they are comfortable with before deciding to self-insure the repairs or submit. My premiums tend not to rise but then that depends on the insurance company. The cheap-quote companies will probably raise it.