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Someone smashed my parked car - deal with insurance or call the cops?
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.
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