You should always file a car accident claim if other drivers were involved, even if the damage appears to be minor. One of the reasons your insurance company is there is to protect you against unreasonable demands and lawsuits from other drivers, which, unfortunately, can sometimes arise when drivers settle outside of their insurance companies.
If no other cars or drivers were involved in your accident – you backed into a tree, for example – then it’s up to you whether or not you should contact your insurance company. If you do contact them, you run the risk of raising the cost of your insurance premium, especially if you’ve been involved in a number of other accidents in recent years. If the damage is minor, and the cost doesn’t meet your deductible, it might be worth it to pay for the repairs out of your own pocket.
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