Last time I had my boat in the water it was pretty choppy and during loading it one of the bunks busted loose and put a pretty good ding in the bottom, I've never filed a claim so would it be worth it, or better to just pay outta pocket for the repairs?

I'd fix it as opposed to having a claim on my policy.

Don't do policy claim for that. Won't be that much

Compare deductible to estimate amount while considering rate increase expense should a claim be filed.

Thank yall for the help!