先拖车去车行看下损伤，估个价，看损伤情况，但一定先不要修理，然后再考虑是否值得报保险。
保险公司可不是省油的灯。。
这里路再黑，如果不是不小心，一般是应该能躲避开任何大块物体的，更何况，是在local，你也好像不是第一辆车。

保险公司不会同情你，你全责的事故明年如果保费翻倍，不算夸张。。。。一般几百块的责任事故我会花钱自己搞定。
看大家啥意见

你这估计是直接把底部engin cover ，刮漏了，修理费可大可小，看了才知道。
平时最好连过马路慢速bump都要减速，现在的车悬挂精细，根本不是设计来越野的。即使高速压过一块砖头，都可能伤车（也看运气），上策当然是保持前车距离，并适当留意路面有无不值得压的物体

get the reference number from 311. Then ask them how to start the claim against City of Toronto procedure. If the City recognize their liability, city has its own insurance company to handle this issue. Then you don't need to worry about your deductible.

I hit a construction cone on DVP. My front bumper was damaged. I am doing the claim. Of course, this will take time. But important thing is we could not avoid the accident because of many reasonable factors. Since we are the victims, there should be some compensation. Don't hesitate to use the insurance company, when you need them, they are for you to use. If it is not your fault, your insurance won't be affected. Good luck!