Yeah, I get what you're saying about skipping the police report for minor stuff, but honestly, with luxury cars, I'm always a bit skeptical. Ever had a tiny scratch turn into a full bumper repaint because of some fancy paint job? Happened to me once—thought it was nothing, but the paint alone was ridiculous. Makes me wonder if it's worth risking insurance hassles later just to avoid the cops now...
"Ever had a tiny scratch turn into a full bumper repaint because of some fancy paint job?"
Yeah, this hits home for me. First time buying insurance, I went budget-friendly thinking I'd save money... until someone dinged my side mirror. That "small" fix cost way more than my deductible. Lesson learned the hard way, lol.
Yeah, totally relate. Had a similar experience with a minor fender scrape—thought it'd buff out easily, but nope... turned into a full panel repaint. Honestly, even if it seems minor, it's usually safer to report it properly.
Exactly why I always double-check coverage details now. Better safe than sorry, especially with how quickly these "little" issues escalate."That 'small' fix cost way more than my deductible."
- Definitely call the police first for an official report—insurance usually asks for it anyway.
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Exactly. Even minor-looking damage can hide bigger problems underneath."Better safe than sorry, especially with how quickly these 'little' issues escalate."
- Learned that the hard way myself...always worth covering your bases.
- Honestly, for minor dings or scratches, calling the police can sometimes be overkill and just eat up your day.
- I've had small parking lot hits where a quick exchange of info and photos was enough—insurance never asked for a police report.
- Sure, if there's serious damage or you're uneasy about the other driver, call the cops...but otherwise, might not be worth the hassle.
