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Someone dented my hood - report to insurance?

fbe922010-08-18 01:30:43 +0000 #1
I came back to my car this morning and it looks like someone climbed on my hood and put a dent in it.

The body shop says they bent the support under the hood too, so it's going to be $500-$1000.

My comprehensive has a deductible of only $50, so I'm planning on going through the insurance for this.

Is there any reason to just pay out of pocket? Could this affect my premiums?

I'm in San Francisco, CA btw.

Thanks!
khaye12010-08-18 01:45:09 +0000 #2
it's vandalism so it shouldn't affect your rates

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