Auto Insurance Claims: car scratch, threshold limits, car scratch

Question
A few days ago someone scratched my car.  From the looks of it, they came too close with they're own car and managed to scratch the whole length of the car.  The larger portion of damage is located on the rear bumper, you can see that it's scratch all the way down, but the rest is not so bad, some is just the other cars paint, and maybe a layer or two taken off my paint in other spots( my car is red and you can see the white paint coating ).

Should I put in a claim to my insurance company for this, or will it just come back to me with higher insurance payments?  If I put in a claim for the damage, but end up paying an extra 500$ a year for this damage to my car, it might not be worth it.

Answer
Hi Jean,
This type loss will be considered a loss by collision, so your higher deductible will apply.
Since there was no identified party from which your company has the legal right of recovery,
it will also be considered a fault accident against you.

Every province has a law  that establishes a threshold that the TOTAL damages must exceed
before the accident can be used as a factor in the setting of your insurance rate.
An accident with no injury only counts as one point. your province may require that you
have 2 points or more before there is a rate increase.  You can learn those rules from
your agent.  You should learn the threshold limits and secure an estimate of repair before
reporting the accident.

I hope you find this helpful.  Your feedback by rating my response will be appreciated.

Bennie
San Francisco Bay Area