Quote Originally Posted by Gloomfrost View Post
Two questions.

1. What happens if you don't report an incident over $1,000? Does anyone actually care? If a cop just drives by and asks, couldn't you just say 'yeah we reported it'? Just out of curiosity.

2. Is there any chance that even if she's 100% at fault, your insurance will still go up?
The answer for number 2 is yes depending on what kind of policy you have.

As for your first question, I don't know what happens or whether they care to be honest. I had over $1,000 damage on my old car once when it spun into a rally-style drift on me and caused me to run into 2 curbs....I just paid the CAA driver an extra $100 to tow it to the local mechanic as it was like 4am and I had no desire to file a police report as the accident was due to my own stupidity.