Will my insurance go up if I file a claim for denting my car door?

I parked close to a wooden fence and I opened my car door too fast. Now there's a dent where the door hit the fence. Will filing a claim for this damage impact my rates?

Answer provided by
Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Unfortunately, your auto insurance rate will likely increase if you file a claim. This is because technically, you are the one who caused the damage.
Since the claim would impact your rate for three years, you may want to pay for the damage out of pocket instead. The dent in the door that you describe sounds minor and it may be relatively cheap to repair.”

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