My question involves a collision that occurred in the state of: California
Okay. Well, I have never caused an accident before but today I did, causing a small dent in the door of a parked car when I was backing up. The car already had prior damage, a 2006 Lexus.
However: even though the dent was small, it also looked like somehow there was a tiny puncture and I'm not sure how that happened.
I was in the middle of leaving a note for the owner of the car when he came out of the house, we immediately reported claim to insurance companies and now I realize that this is probably going to damage my record more than I first thought. I have Geico, they said they'd pay for damages to other car.
I thought I was required by law to file a claim with my insurance company and let them pay for it, but then somebody told me the choice was mine and I could have told the owner of the car that I was going to pay out of pocket (also for rental car).
I didn't even ask him about paying for the damage out of pocket. Last year I was rear-ended in an accident that was clearly determined not to be my fault.
In ten years I have not even gotten a ticket and now I am going to have two accidents on my record, I would have much preferred to just pay out of pocket instead of messing up my record. My rates are most likely going to go up much more than it would to just pay for damage directly.
Thanks for any advice.