I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?
I would not file a claim. With your $500 deductible, your insurance company would pay out $1100 for the damages — but in California, your premium could also increase by 42% over three years if you're cited for an at-fault collision (which this would be considered as). You would save more money in the long run by paying for the damage out-of-pocket.
If there were no other parties involved and you accidentally damaged your own vehicle, we generally recommend you pay for the damages yourself.
If you have any further questions, don't hesitate to ask. For more information, see our additional resources below.