Dear Fiatians, due to an unfortunate incident, i had bruised my Linea's front right bumper and side panel on a mini tempo which was carrying iron rods/wires. the dangling oversized rods were hanging outside from the tempo with red cloth attached to it was not visible and i ended up bruising my front bumper and body side panel just below the right headlights. my car is having foot long 3 scratched on the bumper and a 3centimeter peeled off paint on right side panel below the headlights. the service center guy charged me a whooping Rs 10500 for working up the scratches. however when i opt for insurance i need to pay about Rs3500. my question is: 1. should i pay Rs10500 and avail no claim benefit or 2. use insurance and just pay Rs3500 ?