Car lost Car damaged with uninsured driver Car in collision with your fault Car in collision with other person fault Hitting some pole Hit and run case Any other scenario Also when is a good call to pay it yourself rather than involving insurance to pay for it
Pretty much any scenario when your insurance has to pay will result in premium increase. Some companies have a threshold (700-$900). Basically they let minor damages slide.
Any of the above could do it. It is a good idea to pay for it yourself when the time and money is worth the hassle. $200 damage vs. $20K, for example.