I get your point, but honestly, I've had the opposite experience. A few years back, I lightly bumped someone's bumper—no visible damage, but I reported it anyway. My rates didn't budge. Maybe it depends on the insurer or your history...? Seems pretty inconsistent overall.
Interesting...maybe it's different with luxury cars? I had a minor scrape once, zero visible damage, reported it anyway—my premium jumped noticeably. Could be insurer-specific or just luck of the draw. Insurance logic remains a mystery to me.
"Insurance logic remains a mystery to me."
Haha, you're definitely not alone there... Insurance can feel like a maze sometimes. From my experience, even minor incidents can trigger premium hikes, especially if you officially report them. But don't stress too much—premiums often settle back down after a year or two without further issues. Just keep an eye out and maybe shop around next renewal; sometimes switching insurers can reset things in your favor. Hang in there, these things usually smooth out eventually.
"Insurance logic remains a mystery to me."
You're definitely not the only one scratching your head over insurance logic. A couple of years ago, I had a similar situation—barely tapped someone's bumper in a parking lot, no visible damage at all. I debated reporting it but decided to just exchange info privately with the other driver. Thankfully, nothing ever came of it. From what I've seen, even minor claims can bump up your premiums noticeably, and as someone who's always watching the budget closely, that's something I'd prefer to avoid if possible.
Still, every situation's different, and you have to weigh the risks yourself. If the other driver seems reasonable and there's genuinely no damage, handling it privately might be simpler. But if you're worried about potential hidden damage or future complications, reporting might give you peace of mind. Either way, don't beat yourself up over it—these things happen to everyone eventually...
Insurance logic can definitely seem a bit backwards sometimes...but the cautious side of me would lean towards reporting it. Even if there's no visible damage now, some issues (especially with bumpers) can pop up later. Better to have it documented officially than risk a surprise claim down the road. Premiums might go up slightly, but trust me—it's usually less painful than dealing with unexpected repair bills or disputes later on. Just my two cents from experience.
