Some people might have a deductible as high as $2500 (or higher!) meaning, they’re responsible for paying the first $2500 of the repair. Obviously in instances of light collision repair, with repair costs being under that amount, it wouldn’t even make sense for a vehicle to make a claim with their insurance company. It’s a strike on the owners record that could affect your future premiums, and makes no sense if you’re paying for it out-of-pocket anyway. However, for a major repair job that could cost $5000, $10,000 or more, it makes sense to file the claim.