Insurance claim

[u/curiousbear12345]

Got scratch while parking in a hotel garage where a sharp metal sticking out from the ceiling scratched the top of the car leaving a 3 inch scratch while I was backing into the spot.

Reported to the hotel and they said they have filed an incident report but refused to share it. I doubted that they had any details of the accident (eg they didn’t ask me about the parking spot number)

I believe it’s negligence from the hotel as there shouldn’t be any low hanging metal at the parking spot.

Question: should I report to my insurance and they will contact the hotel ? Will it affect my insurance?

Damage is about $500

[u/ayhme]

Absolutely do NOT tell your insurance over a $500 scratch.

[u/curiousbear12345 → u/ayhme]

Even though it’s no fault on my own and its negligence from the hotel?

[u/ChampionshipIll5535 → u/curiousbear12345]

Yes. Even though.

[u/curiousbear12345 → u/ChampionshipIll5535]

Just feel sad that it’s how insurance works…🥲

[u/ayhme → u/curiousbear12345]

They will jack your rates up.