In NY state, is it better to pay out of pocket for property damage (to another car) or go through insurance (State Farm)?

For an estimate of $3200 for damage to a car (very minor damage caused in a parking lot, but it's a Tesla), which is better in the long run: pay out of pocket or go through insurance and deal with (a) an accident on the record and (b) a rate hike for premiums already over $2500 a year?

Thanks in advance for your advice.