Should I file a car insurance claim after being ticketed for an accident?

I got in a small fender bender that caused $3,000 in damages that I'm at fault for. I also got a ticket. Should I file a claim or pay out of pocket? I'm leaning toward the latter because I don't want my insurance to become too expensive.

“Since you got a ticket for the accident, it doesn’t matter whether you file a claim or not—the accident will end up on your motor vehicle report, which means that it will be visible to your car insurance company.
And this means that your insurance rates will be impacted, even if you choose to pay out of pocket for the fender bender.
Paying out of pocket may result in a smaller rate increase, but either way you can expect to pay more for insurance.”
Carol Chung
Answered on Apr 19, 2021

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