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bumped someone's car lightly, no visible damage—should I report?

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magician59
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(@magician59)
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Definitely a smart move taking those pics. Had something similar happen once—thought it was nothing, but the other driver changed their tune later. Now I always document everything just to cover myself... better safe than sorry.

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jackr98
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Had a similar experience myself a couple years back. Bumped into someone's bumper lightly at a stoplight—no visible damage, just a tiny scuff that wiped right off. We both agreed it was nothing and went our separate ways. Two days later, they called my insurance claiming all sorts of issues. Luckily, I'd snapped a quick photo just in case, and it saved me from a headache and potential premium hikes. Lesson learned: always better to document, even if it seems trivial at the moment...

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scottt63
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- Been there, done that—glad you snapped a pic, smart move.
- Had a similar bump once, thought it was nothing... until the other driver suddenly developed "whiplash" two days later. 🙄
- Now I document EVERYTHING, even if it's just a tiny tap.
- Good on you for being prepared; insurance drama is no joke.

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(@gaming853)
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I've always wondered... does reporting these tiny bumps affect your insurance premiums even if there's no claim filed? Had a buddy with a classic Mustang who reported a minor tap "just to be safe," and his rates mysteriously crept up later, even though nothing came of it. Makes me think twice about involving insurance companies unless it's clearly necessary. Anyone else notice something similar, or was his just bad luck?

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collector39
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Honestly, insurance companies log everything you tell them—claim or no claim. Had a similar deal with my Audi; called to be proactive, and yep, premiums edged up slightly next renewal. Unless there's real damage, probably better to handle privately.

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