Should I file claim on insurance for car hail damage?

I have a 2010 Ford Fusion worth about $2500. I have comp and collision insurance with $500 deductible, and the kicker, I owe 7k on the car still and no gap insurance.

The hail will most likely deem it a total loss, and since buying a home, I most likely will be considered too extended to get another loan.

I can't unfile a claim so before I call insurance I'm wondering if anyone can share some insights on what I can expect in my situation if I do, and since it's just dimples from hail, should I even file a claim?

Why on earth do you owe $7k on an eight year old Ford?

You need to work overtime, babysit, deliver pizzas, walk dogs, etc and pay that POS off.

The hail won't "deem" it anything. An insurance adjuster may deem it a total loss. You are seriously upside down on this car loan. If the car is usable, I'd just drive it as is.

What's a "hail"?

One thing you can't do is file an insurance claim you must keep this car until you have paid it all off. If you can still drive it, drive it. If there's mechanical damage, fix it.
As for the hail damage embrace it. Paint a circle around each dint and turn it into a piece of artwork. Who knows, someone may offer you 20 grand for it as art.

8 year old car and you still owe 7 K on a car worth only 2,500 ? They saw you coming. Why are you paying comprehensive on a 8 year old car?

I wouldn't. No idea how you got to owe 7K but in the event of a total loss you won't get anywhere near that. I'd keep driving it until what you owe comes closer to the car's value.

A) In most cases, you can ask your insurance carrier to withdraw a claim. Call them and find out. Because it was hail damage and not a driving accident, if you withdraw the claim you probably can't be penalized. A road accident would stay on your record, but probably not something like hail damage, so ASK THEM about it.

b) Call your bank and find out for sure what your options are for borrowing money. At this point you're only guessing. If you have any equity in your home, you may be able to use that to bail yourself out.

c) As for being so far under water in your car loan, there's not much you can do. If the insurance company totals the vehicle, you'll still be on the hook to pay off whatever the difference is between the insurance settlement and what you owe. If they "total" it, they take possession of the car, which leaves you with no car but a big loan to pay off. Obviously that's not an option.

d) Unless you can find a new vehicle that is selling significantly under the MSRP, nobody will roll that much debt into a new car loan and it would still take a large down payment to swing it if you can find such a deal. Otherwise, you pay your deductible, take whatever insurance payment you can get and just keep driving an ugly, hail-beaten car until you get it paid off. It will be a good daily reminder why you should have assessed the depreciation vs repayment schedule before you bought the damned thing in the first place.

Your car is worth way more than $2500. That would be the trade in value of a base model 4 cylinder. The retail price is $5,575 which is what the insurance will give you if it is totaled. As you owe more than it is worth you have choices. Do nothing and just keep driving it. Try to fix the dents yourself. There are dent pullers you can purchase for as little as $20. Ask the insurance company to just write you a check for the damage and then buy the car back from them.

If the hail damage is only cosmetic and you don't intend to sell the car anytime soon, I don't see a good reason for filing a claim.