Amica Car Insurance

[TxBucki]

Had fender bender, the claim by the person hit is 750.00. When I called AMICA about my deductible as it was not obvious on my policy docs, they said anything less than 1500.00 they just pay, anything over that puts a "point" on my record. What I need to know is should I pay the 750 because my rate will increase more than that, or just have AMICA pay and my rate will not increase. Worried about asking agent as this usually triggers something...