Auto Insurance Claims: Hit my own car, catastrophic damage, own car

Question
Hello-
I was backing out of my driveway at night and backed into our truck, that was parked in front of my driveway. (done to prevent thieves from stealing our car.) There is modest damage to both cars.I have a $200. deductable for collision and $50. deductable for comprehensive. I'm not sure if I should claim one was damaged w/out our knowledge and pay to repair the other, or be honest and pay the $400.00 deductable, which I do not have. I don't want to contact my insurer until I know all my options.
What do you suggest. Thanks for your help.

Answer
Hello,

You can do what you want, however lying could go backwards on you and then you may get stuck with no claim payment and possibly criminal charges. The choice is yours.

Times are tight and there is a very good chance you will be dropped if you turn in these claims.

Insurance should be used only for catastrophic damage. That hardly seems your situation. I have had a crack in my windshield for 4 years. I could turn it in, but that is a claim. If you look at new applications, they ask if you have had any type of claim in three years.

Personally, I would tell you to bite the bullet here. Besides, what happens if you fix them and do the same thing?

Good luck!

Rob