Here again I see evidence that not filing any small insurance claims is wise in this current age of windshield repair. What once was considered no big deal has changed, probably forever.

The ending of the section by Jeffrey B. Sturgis sums up now what I believe. "Be smart with your claims. Many insurers increase premiums for drivers who place frequent claims for minor repairs." After all nobody knows when they are going to have an accident. I know I didn't wake up the day before last Thanksgiving and think I have to be ready, because at noon that guy is going to run the red light and T-bone me. With the high cost of insurance premiums, one should be wise with claims they file to prevent even higher rates.