I have a 2012 Subaru Outback. Paid off, 60k miles. Several months ago it was hit by a small hailstorm. There are dozens, if not hundreds, of very small dents in the roof and hood. But, they are so small that they are hard to see. And it's almost impossible to see more than a few at one time, since you have to focus the light/reflection just right.
I have comprehensive insurance (Geico) with $500 deductible. The dents don't bother me too much, and I'm not sure it's worth $500 to me to get them repaired.
BUT... I think that the OOP cost of PDR is something on the order of $2k or so. Which makes me wonder, in several years if I trade this car in, will I take a greater than $500 hit on the trade-in value? If so, then it would probably be smart to pay the $500 now, enjoy a dentless car for the next few years, and get a better deal when I do trade it in. If not, then I have to decide if $500-$X (where X is whatever trade-in hit I would take) is worth it to me to fix the dents now.