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Tesla mode Y trunk damaged

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Hello today by mistake I pulled in my model Y when trunk was open and it hit the guarage door and had dent.. how much will it cost to replace it with new one and if I request service through app it’s asking do I want to pay by insurance or cash.

Please advice what option is better if I pay cash will it be reported to insurance or if I opt insurance will it bump the premium if so then any idea how much I am a ohioian