Minor fender bender when I wasn't at fault for car accident

Minor fender bender other driver was wrong. His car has small dent. I am missing a little paint. Do I need to call insurance company? I'm worried about my premium going up.

May 7, 2018 Gainsville, FL

Ava Lynch

May 7, 2018

Because you were the not-at-fault driver here, your car insurance premium would not go up. If you do decide to file a claim, which you are in the right to, you would be filing it through the other driver's car insurance. If the other driver would rather pay for the damage out of pocket, as it sounds quite small and they would avoid a rate increase, get an estimate for the damage and take it to a shop you trust. If the driver is willing to pay for the amount of damage, you can. If they aren't, you'll have to go through their insurance company. Here is a guide to filing a claim.

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