Should I File A Claim?
Filing a claim for minor car damage can be worthwhile when repair costs are well above your deductible and you have a clean claims history, but it may lead to higher premiums if the loss is small. Weigh the cost of repairs against potential premium changes, your deductible, and recent claim activity before deciding. If the expense is modest, paying out-of-pocket or negotiating directly with the other driver’s insurer often makes more sense.
