My Husband's Car Slid Down Our Icy Driveway And Hit Mine. Will He Get A Surcharge? 
That is a great question ! As far as your insurance company is concerned , it will make no difference who caused the damage that resulted in your claim , the fact that they have to pay out on it is what matters . If the claim is filed listing your husband as the cause of the damage , then it is a pretty good bet that one of you will see a rate hike , if not both -LRB- if you are on separate policies - one a work vehicle , paperwork not completed , etc. -RRB- . That said , there are some things to consider . Your policy may have a `` first accident forgiveness '' clause , and assuming that this is his/your first accident -LRB- many companies now offer this -RRB- you may not have any change in your rates . Another thing to consider is whether the damage done to your car will cost less to fix than your deductible amount is . If the repairs are $ 500 and your deductible is $ 1000 , you would end up paying for the repairs yourself anyway . At that point , does it make sense to report the accident at all and risk the rate hike ? I 'd suggest that you review your policy and look for the forgiveness clause , and see if that would work for you . I 'd also get an estimate or two , and compare them to the deductible you would end up paying . If you have the forgiveness perk , and the damage is extensive , I 'd file the claim . If the damage is less than the deductible , I 'd probably skip filing the claim , and just get the damage repaired . It might work best if you contact your agent and ask them how they recommend you proceed as they would know much better your policy and driving records than I would . I hope that helps , and that you find a pleasant outcome to your unpleasant problem ! Thank you for asking ! 