Eli5: What scenario actually causes your insurance premium increase?
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
- Salesforce hfgnntunvPretty 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.