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This is a difficult decision to make as there are too many variables to consider.  Assuming that your insurance premium increase is not too large, I would go with a new lens.  However, that needs to be tempered by the expected premium increase and its duration (would that increase be perpetual).  As I write this I am beginning to change my mind and think that it just might be simpler to pay for the repair.  Sorry for pointing out the obvious and making this more difficult.