You should really check out the new article posted on price comparison car insurance.com on auto insurance claims.
Try not to forget that insurance companies remember things for a long time, and the more claims you have against them in the higher premiums you are going to pay. If you have just a minor fender bender then you should try to get that taken care of yourself rather than make a claim for it. It is never good for your premiums to file a claim, so you should only do so in the case of a major accident. They are your premiums though, so make your own judgments just be wise because you will pay.
Read the entire article on auto insurance claims at http://pricecomparisoncarinsurance.com