Please advise if i should leave my car as is or pay out of pocket or file a claim

Had filed a claim previously on august due to hitting a stationery object where the old car was deemed total loss. Now another car has bits of paints scratched off showing metal on some sections and door handle cracked on one side of the car due to not parking correctly near the pillar. Autobody shop quote come around to 3.5k. I am assuming vehicle value would be 10-12k. I have 500 deductible on my insurance.

My question is should i file claim for insurance to take care of it or self pay through credit card as my budget is tight atm. Or should i leave the car as is… at least a couple of months so its not back to back claim during short period?