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john_moore
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RE: bumped someone's car lightly, no visible damage - should I report?
I get your point, but honestly, I've had the opposite experience. A few years back, I lightly bumped someone's bumper - no visible damage, but I reported it anyway. My rates didn't budge. Maybe it depends on the insurer ...
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RE: how accident forgiveness works in NM and why it's saved me cash
I've had a similar experience - had a small scrape backing out of a tight parking spot a while back. My insurer at the time bumped my rates slightly, but nothing drastic. I think you're right about it varying by state an...
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