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minor accident
this morning I stopped behind a car at a red light. I looked away and must have taken my foot off the break and bumped into him. I have a half square shaped dent, it's not anything bad. I had hit the square attachment to his suv that is used to haul things. (I guess that's it's use) however. police were called and info was exchanged, the usual. the cop noted that there was NO VISIBLE DAMAGE to his car and I did have a minor dent. my questions is will my insurance rates rise? the officer said that if the man decides to have his car looked at there is a small fee my insurance would pay. will that raise my rates? I'm 17. so I'm worried.
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Maybe give some free advice about: Random Weirdos?
It really depends on your policy. However, one thing you could do to prevent your rates from going up would be to pay for any claims out-of-pocket. You don't have to let your insurance cover the damage; you can pay for it with your own money.
If you were ticketed as at-fault in the accident, then that might raise your rates - again, it depends on your policy. But for something this minor, it shouldn't raise them much. If it does, you can always shop for different insurance and get a better rate.
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