https://bbs.wenxuecity.com/auto/494362.html
把车子送去一个车行（不是dealer，Agent 推荐的他office 门口的一个店). 估价： $856。看见一辆浅色cadillac 和一辆Jeep在修，修补的地方被拿东西盖住了，他解释了怎么修，好些步骤，没听懂-：）擦擦补补的。
回来后问Agent 的意见。回答如下。
"Please call insurance company. They will let you know if they need to come out to see the vehicle. You will be responsible for the first $500 because of the deductible, then they will pay the remainder of the balance. Any claim can increase your annual premium, there is no set rule on how much it will go up. So I cannot predict how much it will increase. I recommend not filing small claims, but if you do not want to spend the money now then file the claim. You are looking at a difference of $356, if they only increase your annual premium by $100 a year you are breaking even because claims stay on your record for 4 years. "
他不建议走保险。不保证这种claim 不涨保险。最烦这种拿主意的了，还不如就一种option。头疼。