edit just pay the 400 no fault do make insurance go up
if you call the insurance company, they are gonna know that you had an accident. What are you going to do, ask them a “hypothetical question about a friend”? lol
3-400 is not worth the insurance claim man. Pay for it and move on.
if its fiberglass, i can fix it for ya, and then just go get it sprayed.
depending on what it truely looks like(need pics), its prolly 2 hours worth of time…bring a 30 pack of Miller Lite for compensation 
This makes no sense. You’re telling me if someone smashes into my unoccupied parked car and I file a NO Fault Claim that MY insurance will go up??
Just pay the $400 and be done with it.
Y have a $100 deductible?? Your premium must be insane!
That is exactly what he is saying. It happen to me. Some dumb bitch ran into me in the tops parking lot.They claimed it no fault and my insurance went up.He is a insurance broker btw I think he will know.