You can choose to not make a claim? You may be thinking, “Wait! I pay for that auto coverage every year. Why shouldn’t I USE it when I need it?” Be aware that many insurance companies will raise your premiums if you are involved in even a minor crash. Remember, their job is to figure out your exposure and how big of a risk you are. When you make a claim, you’re saying, “Hey, I’m a risk.” The repair cost may be less than your deductible amount anyway, in which case risking higher premiums makes little sense!