Let's assume, a neighbor while parking his car bumped your car giving it an ugly dent. In such a situation, you can file for third party insurance claim. When it is evident and is proved that the accident is not your fault, you can easily refrain from making any claim on your policy. In this case, your neighbor's insurance company will pay for the repair of your car.
Be aware, in case of an accident where a third party is at fault, you will have to file an FIR with the local police and obtain a charge sheet. If you are able to prove third party’s involvement and fault, you stand strong chances to receive approval on your third-party claim.
Also, you could end up losing your No-Claim Bonus discount at the following renewal if you claim on minor damages. If the repair expenses are lesser than your NCB discount at the next renewal, there is truly no benefit in claiming the same. You should only claim the repair expenses, only if the amount is more than the NCB discount.
Just remember that more number of claims make you riskier for them.
This will lead to higher premium and thereby an increased cost. Hence, it may not always be advisable to claim car insurance.