That's what i thought -- it's a black box. Thankfully i have the option of fixing the car myself -- after working on mine, i can certainly fix the bumper on my wife's.There are a billion things that go into an insurance quote. Aside from the personal variables (sex, age, education, address, credit rating, marital status etc.) that affect your rates, there are several mostly objective variables that affect the rates - type of car, miles driven, how driven (to/from office, to/from school, for work) that will affect everyones rates roughly the same.
You drive more, you pay more.
Now, getting back on your topic (that has nothing to do with warranty or the MM Act)
Unless you have "accident forgiveness", your rates will most likely go up if you report this (by calling and asking, you may actually have already "reported" it). It is virtually impossible to know by how much your insurance rates will go up. Nobody here knows and even the insurance company doesn't know at this point because your next renewal will be calculated using the variables used before PLUS "we paid out $xxxx in a claim. Do we think there will be more claims? How long will this take to recoup?"
In general, you should always consider insurance (at least car and house) as being catastrophic coverage - in other words, to pay for stuff you can't afford because the insurance company will always recover their costs from you for any "at fault" accidents.
The exception is the comprehensive portion of your policy (fire, theft, wildlife, glass etc.) where, in theory, a claim won't raise your rates - but - since rates are recalculated at the beginning of each period (usually every 6 months), there is really no way to determine what affected your new rates.
Get a quote from a good bodyshop for the cost of the repairs. Subtract your deductible and decide if you can afford the remainder.
If you can, and decide to pay for it yourself, then negotiate the price with the bodyshop and see if you can get the insurance rate.
Thanks for the input.