When Not To File A Car Insurance Claim? 
If there is no one else involved in the accident and the cost to repair the damage is within your means to pay , PAY IT out of pocket ! Do n't put marks on your insurance history unless you have to . Save your insurance for the large losses -LRB- lets hope you never have a large loss -RRB- . Too often the loss of discounts , rewards , and surcharges exceed the cost of the cost of the repair . Customers get upset out it later and wished they had asked before . Good question and my advice be sure you have insurance with a company that has an agent that you can trust to ask questions , just like this ! 