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If I damaged my Nissan Versa running over a curb, should I report it to my insurance company?

"The car is still drivable, and I don't want my premium to go up. What should I do?"

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you intend to get the car fixed, you can get an estimate for how much the repairs will cost. This will help you determine whether or not filing a claim makes sense.
If you have
collision insurance
, then your company will cover the cost of repairs, minus your deductible. But if your deductible is less than the repair shop estimate, it probably isn’t worth it to go through insurance since you’ll have to pay out of pocket anyway and the reported accident might raise your rate.”
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