Is it always necessary to file a claim for hitting a wall?
No, it doesn't always make sense to file a collision claim for hitting a wall with your car, especially if you only lightly scraped your car against the wall. If your car-versus-wall scenario is a single-vehicle accident, you'll typically be found at fault for the damage. So even though any collision coverage you have may cover the repairs, minus your car insurance deductible, you could potentially see a higher insurance premium when your policy renews. Learn more about what can cause your car insurance rate to increase.