Paying out of pocket is not an option at the moment. I'll call my insurance company and see what they say. They'll probably want to jack my rates up due to the claim and I'll just end up paying for it (and then some) out of pocket within a few months. I may just end up dealing with it for a while until I have the cash to pay for it myself.
I'm still trying to figure out what caused it... I haven't washed it in ages because it has been too cold to do so (and I hate automatic car washes), so I know I didn't scratch it myself. I haven't driven through anything that could have caused it. They just kind of showed up one day...