Okay, picture this: you're downtown Seattle, rainy day (shocker, right?), and you accidentally tap someone's bumper at a stoplight. Nothing major, but enough to swap info. How do you think your insurance company would handle it? Smooth sailing or total nightmare?
Honestly, with minor stuff like that, insurance usually handles it pretty smoothly...but it really depends on your policy and deductible. Do you have accident forgiveness? Some companies offer that for minor incidents, meaning your rates won't spike immediately. But if you're young or new to driving (like me), even a tiny bump can sometimes lead to higher premiums. Might be worth checking your policy details ahead of time just to avoid surprises later.
Yeah, good points about accident forgiveness—definitely worth checking. Have you looked into how your insurer defines a "minor" incident? Some companies have specific dollar amounts or criteria that determine whether an accident counts against you. Also, does your policy include rental car coverage during repairs? Mine didn't initially, and I learned the hard way after a small scrape last year...ended up paying out-of-pocket for a week of rentals. Always good to clarify these details beforehand.
I learned about rental coverage the hard way too—after a minor bump downtown Seattle (those hills are no joke...). My insurer covered repairs fine, but rental? Nope, had to bus it for a week. Definitely worth double-checking the fine print on that one.
