I pay around $75/month for new car. Recently, I got into a minor incident that damaged my car’s door. It needs to be fixed and it will cost me around $2,800. My deductible is 500. if I file a claim, will it increase my premium and effect my driving record? The incident happened when I was making a right turn. Suddenly a cat passed by close to my car, I tried to avoid it, and made a sharp right turn when my car scratched against the stop sign on the right front passenger door.