Should I file a claim with my car insurance or pay out of pocket?

I am making payments on my car and currently have full coverage car insurance. About a week ago, I was driving my car on the freeway. It had been raining earlier that morning. A car beside me switched lanes in front of me suddenly. (She did not hit my car) but she caused me to loose control, my car hydroplaned spun out and hit the center divder on the freeway. No other cars hit me. My car has damage to the tire, rim and the right rear of my car from the back door to the bumper has scrathes and damage. I did not file a claim at first because the cost of my insurance is already $108 (because of a ticket) and I did not want it tod go up. But after paying to replace the tire, the rim and some other issues with the axile for $606....and the tow service which was $125; I'd like to know if any one has an idea of which would be more beneficial. Should I pay the $1000 deductible and have my car fixed through the insurance company, even though my monthly payments will increase? Or should I just continue the repairs out of pocket?

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