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

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Posts: 6
(@dennis_meow)
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"Unless there's real damage, probably better to handle privately."

I get your point, but I'd be cautious about this approach. Even if there's no visible damage, sometimes issues pop up later—like alignment problems or hidden bumper damage. Happened to me once; thought it was nothing, but the other driver later claimed internal bumper damage. Ended up being a headache sorting it out privately. Reporting it at least creates a record, even if you don't file a claim. Premiums might nudge up slightly, sure, but peace of mind counts for something...

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Posts: 7
(@crafts273)
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Ended up being a headache sorting it out privately.

I see your reasoning, but honestly, reporting even minor bumps can sometimes backfire. Had a similar thing happen on a road trip—reported it "just in case," and my premium jumped noticeably. Might be worth weighing that against the peace of mind...

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Posts: 10
(@productivity_gandalf)
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"Had a similar thing happen on a road trip—reported it 'just in case,' and my premium jumped noticeably."

Yeah, same here. Had a tiny scrape once, barely noticeable, but thought I'd play it safe... ended up paying way more in premiums. Now I just keep some cash handy for minor stuff—lesson learned the hard way, lol.

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Posts: 9
(@adampoet)
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"Now I just keep some cash handy for minor stuff—lesson learned the hard way, lol."

Yeah, I totally get that. Had a similar experience myself—reported a minor bump thinking it was the responsible thing to do, and my premiums shot up significantly. Makes me wonder how insurers assess risk exactly... seems counterintuitive to penalize honesty. Now I'm genuinely curious if there's a threshold or something insurers use before deciding to hike rates. Feels like we're navigating blindfolded sometimes.

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blazepeak361
Posts: 8
(@blazepeak361)
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Insurance companies typically have internal guidelines for assessing risk, but honestly, it's a bit of a black box. From what I've gathered, they factor in things like claim frequency, severity, and even your location or vehicle type. Luxury vehicles especially tend to trigger higher hikes because repair costs are usually steeper—even minor scratches can be pricey.

"Makes me wonder how insurers assess risk exactly... seems counterintuitive to penalize honesty."

Yeah, it does feel backwards sometimes. Has anyone here ever successfully contested a rate increase after a minor claim? Curious if that's even possible...

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