I’m 49 yrs old with an excellent driving record, however, while operating my daughter’s vehicle (she’s 19 and has been a “new driver” for a year and a half), I swerved abruptly to avoid hitting a large dog and smashed violently into a curb. There were no other vehicles involved, no personal injury sustained, and no property damage, but the damage done to my daughter’s car will surely exceed the $500 deductible. Her monthly car insurance payment is currently $175, which is allegedly reflective of a multi-car discount among other discounts for being covered under my policy (I’m primary on our insurance). I have NEVER had an accident, nor filed a claim and I am so conflicted regarding the best way to handle this situation. My daughter’s insurance premiums are ALREADY so high, and I’m worried that filing a claim with the insurance company is ultimately going to result in even higher premiums for HER when it was actually MY fault! We live in California, and I realize I need to thoroughly read through the provisions of our insurance policy, but in this case would it be better to NOT file a claim?