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Originally Posted by voegelin
Quite right, I'll get the estimate for repairs and then compare against what the increase in car insurance would be for a claim. There was no traffic violation associated with the accident... Best advice so far.
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Depending on who your insurer is you may not get a premium increase. I've replaced several broken windows over the years, had my Mustang 5.0 stolen twice, wrecked once during the theft, plus my kid wrecked her Jeep Cherokee when she was 16 and they never raised the premiums. Probably because we had no citations and the accidents/thefts were far apart. If your record's clean up until now it's probably best to go ahead and report it. We're with AAA by the way and have been with it since college, a looong time ago.