It's not worth the price tag if it isn't too bad. A small dent isn't to bad. Believe me, the first one is the worst!! You'll worry about it until you get another one and then it isn't a big deal. If you can deal with it, don't sweat it.
Usually your insurance co. would want you to get it fixed the cheapest way possible..ie.. fix a crack in the shield of your cage rather than replace.. I`m sure that even paying to have the dent pulled out out of your own pocket would be cheaper than having it go to a bodyshop..