Should I contact my insurance if I don't intend to file motorcycle insurance claim after an accident?

A driver traveling east fell asleep at the wheel. He hit a 4x6 post on a four-lane highway and was ticketed. The post flew across the boulevard. I was riding my motorcycle and hit the post at 55 mph. Luckily, there were no injuries. It just bent the rim and blew the tire. The cost to repair is $450. However, my deductible is $1000, so I'll be paying out of pocket to fix it. However, the police did file a crash report. Should I notify my insurance if I do not intend to file a claim? Thank you.

Sep 2, 2019 Waukesha, WI

Ross Martin

Sep 2, 2019

Sorry to hear about the accident, but glad you're alright. If the police filed a report then it's likely that your insurance company will find out about the accident at some point. I would not go out of your way to report the accident to them though, as it may result in an increase in your rates. It's possible that it may even escape their attention if they don't rerun reports at renewal. Essentially, I would say that your instinct to just pay out of pocket is correct in this instance. I would just keep your fingers crossed that the insurance company never charges an accident against you. If you have any further questions, don't hesitate to ask.

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