Question
Should I pay out of pocket for my vehicle or file a claim with my insurance company?
I hit a pole leaving the parking lot and there are scratches and a dent in my bumper.
Answer
The decision to file a claim would be completely up to you, but in Massachusetts, an accident has an average impact of more than $700 per year in additional premium. If the repairs are less than that then I would recommend paying for the damage out of your own pocket.