Although the company you have contracted the car insurance says you have to communicate even the smallest accident with your vehicle, it is clear that if the deductible value of your car insurance is higher than it will cost to repair the car, it is best to run your own expense and do not communicate the accident.
There is no law that requires drivers to report an accident to your company, this must be remembered every time you fill a requirement.
Every time you tell your company that has had an accident with their vehicle, but the value is less than the deductible, he recorded in his history of car insurance. Some companies in the car insurance policy provide that the driver's duty is to report any accident you have with your car and that the delay in communicating it removes the obligation of the insurer to take care of it.
A small claim is certainly not affect your car insurance premium, but the sum of many claims are likely to affect the value thereof.
Be a good driver and increased caution on the road and do not forget to hire the best car insurance .
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