be aware that a claim of only a few hundred bucks can end up costing thousands.
while comprehenive claims can not get you a rise in insurance premiums from your own company in ny they can get you dropped ,but more important it is reported to CLUE..
if you shop for insurance any blemish can count very heavily in your new rate.
a claim for a stolen air bag was held against me when i was shopping for better insurance rates to the tune of a few thousand more a year . . even auto insurer sponsered road side assistance can be reported to CLUE .
THOSE JUMPS CAN PORTRAY YOU AS DRIVING AN ILL=MAINTAINED CAR .
RUN OUT OF GAS ? NOT A VERY RESPONSIBLE DRIVER.
you can check your clue report once a year for free.
all those windshields my jeep buddies had replaced ended up costing them dearly when shopping for new insurance or dropped. If you are checking your report run both property and vehicle. many times like credit reports there are errors.
you can get yours free here from lexis nexis .
https://personalreports.lexisnexis.c...le/landing.jsp