bad luck tuesday

This evening I was driving to get my hair cut and I got into a car accident. I'll start out by saying that I'm fine and my car is reasonably fine. I was driving down a busy street when a police car came with its sirens on. We all moved over to get out of the way. After it was past, me and several other cars were ready to merge back over out of the parking lane. Right as I was about to merge, a car behind me decides to go first and shoot past me. I swerved back over right at the same time as the car in front of me decides to brake. So I basically hit that car's bumper. His car was fine -- no damage at all. My car's front grille and surround have been cracked (see photo). It's not visible from a distance -- when you get up to it you can see the cracks, but it's not any major damage. However, I am still really upset with myself and the situation. It's kind of the last thing that I needed on top of all the stress I'm going through with the end of the school year coming, finishing up all my internship interviews, getting ready to register for classes, having my classroom teacher going on maternity...

Tomorrow I'm going to call a couple of body shops so that I can get an estimate. My insurance deductible is $1000 because of my ridiculously high premium, and I can't really afford for my premiums to go up any higher than they already are. So if the damage is under $1000 I'm just going to pay it out of pocket and not involve the insurance at all. I was looking online at Yaris grilles, and it seems like the part shouldn't be more than a couple hundred. Who knows how much the body shop will charge for labor, etc. Everyone keep your fingers crossed for me! The other thing I was thinking was, if I don't have to involve the insurance, I might just wait to get it repaired until I have a bit more money coming in. Any thoughts?