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Depending on your company a comp claim will count as a claim and your rates will probably go up at renewal. dont forget the deductable. Unless it is alot of money to fix I would not make a claim It is possible that will happen, yes; if the damage is not too expensive, it might be better to pay for the repair out of pocket. But if the damage is quite expensive, then, yes, that is what insurance is there for. It probably falls under comprehensive, if you have that coverage, but only the amount after the deductible. However, you may want to simply pay out of pocket to have it fixed if the repair is not too expensive since having your insurance pay for it may result in increased insurance premiums.
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