i fliped my bike and have about $5,000 worth of damage... i'm scared to report it b/c i fear that they'll pay it out and drop me or simply double my rates. i have some cheap insurance called american modern. i pay $800 a year for full coverage, i think 20/50/20. i can prolly fix everything for about 2,000. I have a $1000 deductable what do you guys think i should do?