Making any sort of a claim can quickly inflate the cost of your car insurance policy. Insurance providers know that one claim means a higher chance of future claims, so they'll often increase driver's rates for any claims - including claims related to minor car mischief, which is typically defined as damage that occurs to a vehicle when the vehicle's owner isn't present, things like scratches or acts of purposeful vandalism.
Obviously, very light cases of car mischief aren't worth reporting. Any time that the costs of mischief are less than your deductible, you shouldn't make a car insurance claim - light scratches, for instance, or dents may not be worth reporting depending on the age and condition of your vehicle. You may report these incidences to the police, particularly if there's evidence of malice. If your car is purposely keyed, for example, you should certainly report this type of incident to the authorities, but it's to your discretion whether to report this type of car mischief as a car insurance claim.
You should certainly make a claim if you have a good comprehensive car insurance policy and car mischief is creating a significant cost that you'd have trouble handling on your own. Broken windows, major dents, and serious scratches are examples of claims that will probably be approved by your car insurance provider, and if you have a low deductible, making a claim could save you a decent amount of money. However, you should realize that your comprehensive car insurance premiums will probably rise as a result of the claim. To find out how much your rates will rise, you should contact your car insurance agent. Discuss the situation and the probable costs. If you have pictures of the damage to your vehicle, send these to your agent. Car insurance agents regularly deal with all types of car mischief and should be able to provide you with good advice as to how the damage will affect the cost of your car insurance policy.
There are a number of ways to avoid a major rise in your car insurance rates. You can look online for car insurance quotes, which can be very helpful for many drivers - different car insurance providers may offer you much better rates on coverage and looking online are the best ways to get an idea of your different options. You can also ask your insurance agent about discounts that could offset the rise in your rates. Car mischief can be a real pain to deal with, but if you take appropriate preventative actions, you can avoid a serious increase in the cost of your car insurance policy.