I get where you’re coming from—sometimes it feels like overkill to report a tiny bump, especially if you can’t see any scratches or dents. But sensors and paint can be sneaky expensive, and if something turns up later, it’s a headache without documentation. I’ve seen folks try to save a few bucks by skipping the report, only to regret it when a “harmless” tap turned into a $700 bill. Not fun for anyone’s wallet...
Honestly, this is exactly why I’m leaning toward reporting even the tiniest bump. I just got my first insurance policy and the last thing I want is to find out later that a “no big deal” tap messed up a sensor or something. My luck, it’d be the most expensive part on the car, too. It feels a bit over-cautious, but I’d rather have paperwork than a surprise bill down the road...
Honestly, I get where you're coming from—it's always that one tiny bump that comes back to haunt you. I've had a similar thing happen, where what looked like nothing turned into a sensor issue a month later. Here's what I've learned over the years:
1. Take photos, even if you can barely see anything.
2. Swap info, just in case.
3. Report it to your insurance, even if it feels silly.
It might feel overkill, but dealing with surprise repairs or someone suddenly claiming damage weeks later is way worse. I've been burned once and now I just play it safe... paperwork is annoying, but not as annoying as a big bill out of nowhere.
I hear you, but man, if I reported every little tap I’ve had, my insurance would probably just send me a “break up” letter. I usually snap some pics and hope for the best... but now you’ve got me second-guessing. Ever actually had your rates go up from reporting something tiny?
I get where you’re coming from—sometimes it feels like even breathing near another car could bump up your premium. I’ve reported a couple of minor things, and honestly, my rates didn’t move much, if at all. But I always wonder if luxury cars get flagged differently? I mean, is there some secret threshold where they start caring more? I tend to err on the side of caution, but it’s tough not to overthink it... especially when there’s no visible damage. Ever had an adjuster make a big deal out of something tiny?
