So, I’m stuck on whether to file an accident claim or pay out of pocket. My insurance has already gone up $700 this year, due to a claim filed 3 years ago expiring in Nov, plus the company having researched a non point ticket through the courthouse system. I had a minor fender bender last Thursday that has resulted in $3,400 in damages on my part. I currently have 3 point ticket on my record. The accident resulted in a ticket that will be taken down to no points with a lawyer. The question is whether to let insurance take care of the damage or pay myself. Obviously, my rates will go up, but where am I actually saving money?