Are all accidents and incidents reguardless of how minor are reportable?

Answer 1

No they are not. Many small incidents that will not cost much to repair are better off to pay for the damage your self rather than making a claim on your insurance that may raise your rates for up to three years. I have assisted customers on several occasions on just holding up on reporting the incidents while they find out what the cost will be before making the decision. You can also withdraw a claim if you find out that after your deductible it will not benefit you to file the claim.