If the accident could have been avoided by you, then the insurance company will find you liable. You will only have to pay your deductible, but your insurance will go up.
I just had a friend that hit an object on the freeway. He was going around a turn and didn't see it. Ripped his lower fairing off, dented both wheels, tore the headers out, but he saved it and never went down. Was able to pull off safely. There were witnesses and everything. A police report was filled out. Object was small enough to not see around a corner going 65mph. Made a claim with his company and told them the complete truth. Seems like it would be covered, right? It was, but he was found liable. He insurance is going to skyrocket now. Insurance company said if the object didn't just fall off another vehicle and was moving when he hit it, it was his fault. I can kinda see their point, but that's just not right. I would expect my insurance company to protect me in those situations.
In your case, I'd lie. Fraud whatever. Who is going to know. Say you parked it and when you came back, it was knocked over. That IS the truth. Hint that someone pushed it or a car might have hit it. Make sure your story doesn't leave you with any blame. Pay your deductible and get it fixed.
:beer: