should i file an insurance claim if the damage is less than my deductible 
if the damage you experience is less than your deductible it may not make sense to file a claim with your insurance company for instance if you have 200 in estimated damage but a 1 000 deductible it wouldn t make sense if however you feel that the other party is entirely at fault and want their insurance to pay for your damage you may want to initiate a claim nonetheless it is a good idea to always talk with your insurance agent before filing a claim 