I guess you'll want/need more definitive info before you can decide what's the best way to go. Some of the things you need to consider are:
What's the cost to repair the trailer?
What's your deductible on your insurance policy?
Will a claim effect your yearly (associated) policy insurance rate? if yes, how much $$/year.
Will the claim on the trailer have any negative effect on any of your other policy rates? (Assuming all your insurance is with the same company)
Once you have these numbers, it should be pretty easy to make an informed decision!
PS- a good thing to remember is---regardless who the spotter is, your are the driver and in the end, the accident responsibility is YOURS!
Days camping (2015)----88 days
Days camping (2016) ---110 days
2016 Wildcat MAXX 28RKX (33' TT), 2007 13' Scamp
2015 Ram Laramie Hemi
30 years RV'ing
12 different RV's