Question

Should I file a claim for a small scratch on my car?

Will this cause my monthly rate to increase?

Oct 30, 2016 Rochester, NY

Answer
Neil Richardson

Oct 30, 2016

The impact to your rate will depend on what caused the scratch on your vehicle. If you are filing a claim where your collision coverage would payout (i.e. you backed into something), then you are likely to see an increase. If you file a claim under comprehensive coverage (like a vandalism claim) then you're not as likely to see an impact to your rate. There's no guarantee in these situations concerning your rate, but claims paid out under collision are much more likely to affect what you pay. You should also consider the amount you will have to pay for your deductible. If the repair cost is less than your deductible then there is no reason to even contact your insurance company. Your best bet is to get an estimate for the damage repair and that should help you make your decision.

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