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FWIW i was in a similar situation (bad scrape, non fault, driver didn't stop) and was quoted around £3K. I was worried what it would do to my premium but figured i'd take a cash pay out and see how bad my renewal was before deciding where/when to sort it properly (did a temp bodge). In the end i settled on £2K cash but my premium with my then insurer doubled. After asking on here i was recommended Keith Michaels insurance who got the price back down to my existing rate.
One year on i've just renewed with them for the same rate and have now found someone i trust to take on the work and repair the car properly. The car will end up better then before the hit and my premium is the same.
TLDR, as you know what you're doing you should get it sorted on your insurance.
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jono84
Don't worry I've already run the numbers, it won't