2nd time hitting a shredded semi truck tire

cubarican84

Kharma is returning the favor for whatever i did in the past. Since purchasing my Z about 8 or 9 months ago I have come across and collided with 2 shredded semi tires occupying I-90. Both incidents occured at night time and were, in my opinion, unavoidable. The latest icident seems to have resulted in the slightest of slight body damage... My hood seems to be a milimeter or two raised above where it should be near my passenger light. I feel it is a result of the impact to the bumber which transitioned to damage to my hood... Anyway, my concern/question is what is the best way to handle this. Report to insurance? Pay out of pocket? File police report? My main concern is wether my premium will raise and also if I will be able to file the accident under Collision or Comprehensive. My Deductible is 500. Thanks