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@peopleperson9503 California. I just like to know whether it's better I pay out of pocket or just file the claim. I don't mind paying out of pocket if it ends up being the cheaper option. But I think I also like to also question the $6,000 - would people suggest I try to negotiate with the owners?

@shatteredheart Thanks, I think you're right. I'm going to call my insurance company and give them all the evidence and let them handle it whether it's reporting the hydrant, negotiating with the contractor and everyone else involved.

@shacklesloosedeliverance Good point - this would affect my vehicle right? (i.e. record on carfax as well as bring the value of my car down, etc)

@panagiotism True but wouldn't I end up eventually end up paying back $6,000 from the premiums? And if I could somehow negotiate it to be lower, wouldn't it make even more sense to pay out of pocket?

I drove into someone's hedges and fence and they came back with a contractor that it would cost $6,100 to fix it. See pictures. Can I get some advice on what I should do next? This seems really expensive but I can liquidate some of my assets to pay it off as well as use up all my life savings...