The exact financial increase to your car insurance premium after a minor at-fault incident like scratching someone's car depends on your insurer's underwriting guidelines, your historical driving record, and whether you hold "no-claims bonus protection." If you choose to lodge a claim with your insurance company to cover the scratch repairs rather than paying out of pocket, your subsequent annual renewal premium can increase anywhere from 10 to 30 percent or more. Furthermore, you will forfeit your claim-free discount tier, which impacts your rates for the next three to five years.
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