Should I file an insurance claim if I only have a learner's permit?

I'm a 16-year-old driver and I accidentally hit a parked car in a public garage. I only have a learner's permit so far. Am I still obligated to file a claim with my insurance company?

In this scenario, your status as a driver with a learner’s permit doesn’t really matter. The other driver will decide how they want to handle the damage to their car.
If you offer to pay for their repairs out-of-pocket and they refuse, then they’ll file a claim with your insurance company. Once the claim goes on your record, you can expect your car insurance premium to rise when your policy is renewed.
If you want to avoid significantly higher insurance rates, you’ll have to shop around to find a better deal with another insurer.
Carol Chung
Answered on Apr 12, 2021

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