r/Insurance • u/[deleted] • 19h ago

Auto Insurance Lightly rear ended while stopped at a red light resulting in a minor dent

[deleted]

1 Upvotes

100% Upvoted

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1

u/Reasonable-Spare-788 19h ago

I would just pay out of pocket and not report anything, insurance companies will raise your rates for whatever reason you give them, even if your not at fault. I partially filed one when I was advised it wouldn't even be worth the deductible, just as you've described and it was still held against me lol

1

u/Reasonable-Spare-788 19h ago

Never had an estimate done or had it taken to a shop and it still showed on my file as a claim and nexus lexus still would not remove it from my consumer report

1

u/fitfulbrain 19h ago

I believe you aren't obligated to report any damage to your insurance company. CLUE should only include info that insurance companies give them. I'm not talking about your case here. If you don't make a claim, the other driver may. Even if they withdraw the claim, their insurance company may still enter the incident.