In the labyrinth of car insurance policies and the dread of rate hikes post-accidents, drivers often find themselves at a crossroads: to claim or not to claim. This dilemma came to life recently when a driver, after a minor misjudgment, backed into a parked car. The immediate thought that sparked was to pay for the repairs out of pocket, aiming to sidestep the potential spike in insurance premiums. However, the waters…
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