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Rear quarter panel damage. Is it worth going through insurance/Tesla certified shop or PDR?

My rear quarter panel on a 21 Model 3 LR was damaged pretty bad. PDR shop is quoting me $3K to fix this.
Based off similar posts, I know Tesla would quote me closer to $8K -$10K. Is it worth going through insurance and taking the hit on my premium? I do not want to take a hit on the resale value, how much do you think this would affect it?
damage 3.jpg


Rear Damange.jpg
Great points and I feel I have to be safe and go insurance, for something this significant.

That said, my friend was moving my car and backed into a parked van (no damage and is not going to file a claim); so I would filed an uninsured motorist property damage claim, correct?

I do have UMPD coverage, with Progressive, and I think that would also make this eligible for diminished value.

Is this the way?

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