Yesterday, someone hit our car near our daughter’s school. They were nice and left a note, which is quite unusual these days. Now we’re faced with a decision. A full repair job will cost $1,150 plus the cost of a rental car. We can get away with fixing the paint only for about $600. Everyone here is scared to go through insurnace, since your rates really go up after a claim. It wouldn’t affect us, but we’re trying to be nice, since she was kind enough to leave a number, and we’ve been shown grace in similar circumstances. It’s only stuff. It bothers me that our insurance system is so punitve thought. One claim can follow you for years. Seems kind of crazy for a fender bender like this one.