Should you go through your insurance company for a door ding your passenger inflicted on another vehicle estimated cost 320 or will it cause your premiums to increase?

Answer

This is a tough one. Most likely the claim will be paid under the "property damage" portion of your policy and then that claim will look like it's an at fault accident. If possible, try to get a statement from your insurance company that you were not at fault in the incident. Also, it might be possible, and better, if the passenger has auto insurance that they make a claim under their own policy.

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