Your car insurance premium can increase on the next renewal if the insurance company had to pay for the damage. I know many people who opened their car door and the heavy wind resulted in hitting another car that was parked in the next spot. The damage claim had resulted in a $400 payout by the insurance company. In these kinds of cases, most people try to negotiate and pay the cash to settle the dispute instead of going to the insurance company. This helps avoid a crash report record on your insurance history.