“You aren’t required to tell your insurance if you damage your vehicle unless you want to file a claim.
When you file a claim with your insurance, your rate may increase. The amount it increases varies, but it often depends on your driving record and the type of claim.
If you’re concerned about a rate increase, you should get an estimate from a repair shop. If the damage is more than you can afford out of pocket, you should consider filing the claim with your insurance.