I scraped the side of my car in a parking garage. It’s a $1600 repair and I have a $500 collision and $100 comprehensive deductible. Should I file a claim with my insurer or pay out of pocket? How much is my rate likely to go up? Would this count as collision or comprehensive?
I have a clean driving record, no tickets at all, and one other accident one year ago in which I was rear-ended at a stop sign and deemed not at fault.