I get the hesitation about calling insurance, but honestly, it might depend on your company. A while back, I had a similar situation—just a tiny bump, no visible damage at all. I called my insurer anonymously from a friend's phone (yeah, maybe overly cautious, lol) and asked hypothetically how it'd affect premiums. They were surprisingly chill about it and said unless there's an actual claim filed or payout made, it wouldn't affect my rates.
So maybe instead of totally avoiding the call, just make sure you're super clear it's hypothetical and don't give any identifying details right away. Or even better—try calling from another number if you're paranoid like me. 😅 But yeah...if both parties are cool and there's genuinely nothing there, probably safe to just document everything carefully and move on.
Honestly, as someone who works in insurance, your paranoia is pretty relatable, lol. Most insurers won't ding you unless there's an actual payout or claim filed. Still, documenting everything carefully is always the smart move—photos, quick notes on what happened, etc. But I'm curious...has anyone here ever had their premiums jump from just asking hypothetical questions to their insurer? I've heard stories, but never seen it firsthand.