Doing the Right Thing

Okay so this week, I was hit by another car on my motorcycle, they just didn't seem me. Now I'm okay ( with a few bumps and bruises) but the motorcycle was pretty bad. So I called 911 and since the driver who hit me drove off (hit and run) I had to call my own insurance. But after my deductible and the rise in my yearly insurance, it seems that it would have been better to just take it to a someone to fix and pay out of my own pocket. So Ive got to ask everyone what would you have done? I now recommend if you ever get into an accident and either it was your fault or one one got the tag number,think about paying for it out of your own pocket before calling your insurance. It may cost more in the beginning but in the long run you may be saving money. Anyone else got any insurance stories?