Insurance is one thing you need to have but never want to use. Premium rates are high, and you do not want to file a claim unless it is absolutely necessary. Yes you pay for coverage, but when you file a claim, coverage rates go up.

A minor incident such as a cracked windshield might be cheaper to replace yourself rather than filing as a claim, especially if a deductible is involved. It is tempting to want to recoup some of that premium paid by filing a claim, but it might end up costing you even more in the long run.

Ask your agent; sometimes incidents must be reported depending on the policy terms (e.g. accidents).