Would A $600 Property Damage Claim Raise My Car Insurance Rates? 
Was the acident your fault ? How long have you been insured with the carrier ? Are you currently receiving a `` good driver discount '' ? Are you getting a `` refund '' from the company each year for `` claim free driving '' ? Are you better off `` swallowing '' this bill and not file a claim ? Some of the companies allow the first claim and not charge it to your record . It is not easy to answer your question because every company is different . 