Quoted from ralphwiggum:
Pay attention to your rates on your next insurance renewal. I went through the exact same thing as you last year. I was t-boned by a kid that apparently didn't understand what a stop sign was. He sent me flying off into a corn field, and my truck was totalled. He was completely at fault, and my truck was a complete write-off that his insurance took care of.
When I got my insurance renewal the following year, my rates were quoted $25/month higher with about half of the insurance companies I had quoted, because I was involved in a no-fault accident.
I called my insurance and talked to a rep about it but did NOT proceed to file a claim because I was afraid of rate increase and never recovering my deposit.
Quoted from sd_tom:
so the winning answer was ignoring nearly everyone to contact your own insurance and instead you took the advice to threaten medical claim fraud ?
glad it worked out but this seems like the wrong way to go about it.
I was polite about it. I told Geico the damage is very minor and we aren't looking to make problems by involving my insurance or pursuing any frivolous doctors visits. Said we want to keep it quick, cheap and simple for everyone. So far so good but who knows.