My mom backed into the garage door. If she claims it, will her car insurance rates increase?

My mom backed her Toyota RAV4 into her garage door as it was opening. She got the door fixed, but there’s still a scrape and a small dent on the SUV’s tailgate. If she gets her insurance to cover the damage to the SUV, will her premiums go up? Or do insurance premiums only go up if you hit another car? – Jay, Ottawa

If you tell your insurance company you hit something, whether on the road or not, your insurance rates could take a hit.

“If you backed into your garage,…