Hard Lesson Learned
I backed up into my family member’s vehicle this weekend and destroyed my side view mirror (with camera). No damage to the other vehicle. I called a few places to get quotes and they were all around $700-900. Since my deductible is $500, I was pretty certain I wouldn’t file a claim, but I wanted to see my options. I called my insurance just to see what was covered and what they would offer with the thought that I didn’t necessarily have to file the claim. After speaking with them about the accident, they told me that even if I chose not to use the coverage, my premium still might increase since I reported the accident.
Sucks. I should have researched more before I called. Just posting this so somebody might not make the same mistake.