Fair points, sensors definitely catch stuff we might overlook. But I'm curious—doesn't reporting even minor bumps sometimes raise your premiums? I've seen cases where someone reported a tiny tap, no visible damage, and their rates went up noticeably. Not saying it's always the case, but it does happen.
Also, alignment and suspension issues from a minor bump seem pretty rare...maybe your friend's situation was just unlucky? I've heard mechanics say modern cars are built to handle small impacts without hidden damage. But then again, with all the tech packed into newer models, who knows...
Has anyone else had their insurance go up after reporting something super minor like this? Or maybe had the opposite experience—reported it and ended up glad they did?
Yeah, totally agree—reporting minor stuff can be tricky. Usually, if there's no visible damage and both parties agree it's nothing, I'd skip reporting. But always snap a few quick pics just in case someone changes their mind later...saved me once on a road trip.
Yeah, usually I'd agree about skipping reporting if both sides are cool with it, but honestly... you never really know. Had a buddy who thought it was all good until the other driver suddenly decided there was damage later on. Luckily, he'd snapped a few quick pics and that saved him big-time. So yeah, better safe than sorry—takes like 30 seconds anyway.
Had a similar case cross my desk a while back—two drivers agreed it was nothing, shook hands, and went their separate ways. Next thing you know, one of them's claiming whiplash and bumper damage days later. No pics, no witnesses... total mess to sort out. Even if it seems minor, snapping a quick photo or two can save you from a headache down the line. Curious though, anyone ever had the opposite happen—reported something minor and regretted it later?
Had something similar happen once—tapped a parked car, no visible damage at all. Thought I'd play it safe and reported it anyway. Ended up with my premiums going up slightly even though the other driver never filed a claim. Felt kinda silly afterward... but I guess better safe than sorry? Still, next time I'd probably just snap some pics and keep quiet unless there's obvious damage.
