Yeah, that's exactly why I'm still skeptical about skipping claims for minor stuff. Insurance feels like gambling sometimes—pay now or risk paying way more later... Guess I'll learn the hard way eventually, lol.
You're right to be cautious—insurance can definitely feel like a gamble sometimes. From my experience, skipping minor claims can make sense if the repair cost is close to your deductible, since filing could bump up your premiums. But there's always that risk of hidden damage popping up later, especially with cars. I've seen cases where what seemed minor turned into a costly headache down the road... It's a tough call, honestly.
Yeah, insurance is always a bit of a guessing game. I've skipped filing a couple minor claims myself, thinking I'd save money in the long run. Usually worked out okay, but one time I ended up regretting it when a small dent turned out to hide some suspension damage. Cost me way more than I expected. Still, you can't predict everything, right? Just gotta trust your gut sometimes and hope for the best...
"Just gotta trust your gut sometimes and hope for the best..."
I get where you're coming from, but honestly, trusting my gut with insurance stuff makes me nervous. I'm on a tight budget, so I usually lean toward playing it safe. Had a friend who skipped a minor claim to avoid premium hikes, and then later found out the damage was way worse underneath—ended up costing him double. I'd rather deal with a small premium bump than risk a surprise bill down the road...
I get where you're coming from, but honestly, trusting my gut with insurance stuff makes me nervous. I'm on a tight budget, so I usually lean toward playing it safe.
Totally agree—gut feelings aren't always reliable with insurance. I've seen cases where minor-looking dents hid serious frame damage underneath. Better to get a thorough assessment first, even if it means a slight premium increase... peace of mind is worth it.
