Filing a claim can impact your insurance premium. How much your premium will change though depends on various factors including the nature of your claim, your claims history, your policy details, and the costs associated with the payouts for damages. 

Remember, insurance companies often view filing a claim as a signal that you’re more likely to file future claims, which can lead to an increase in your rates. It’s for this reason that you should always consider the impact before filing a claim. If it’s something you can handle financially, it may be worthwhile to pay out of pocket to avoid higher premiums for months or even years to come. However, this decision is one only you can make based on your unique circumstances and personal preferences.