f you have comprehensive coverage, you should be covered for the cost of repairs, minus your deductible.
It’s a known fact that certain things like an at-fault accident or traffic ticket will cause you to pay more when you renew your car insurance. But even if you didn’t do anything wrong, you should always think carefully about whether or not you want to file a claim, especially for minor damage to your car or home.
Although insurance companies can’t technically increase your premium for making a claim for a not-at-fault accident, theft, fire or weather damage, multiple small claims could cause you to lose a claims-free discount, your insurer could limit coverage and/or increase your deductible.
In extreme cases, say if you make 3 or more small claims in a short period of time, your insurer may even refuse to renew your policy. If you have $700 damage and a $500 deductible, paying the extra $200 yourself may be well worth it to keep the claim off your record, especially if you’ve made other claims recently.
It’s totally up to you who tows your car, and where you take it for repairs. If you know and trust a service provider that does this kind of work, you can bring your car there, and you usually won’t have a problem. However, if you don’t already have a shop that you trust, there are advantages to using service providers (tow trucks, body shops, car rental agencies etc.) that are on your insurance company’s list of preferred vendors: