You may want to check with the Broker first and see what he or she says on the matter. Yes you can go through the insurance company and you pay the deductible, No it will not go against your premiums as it is called a NOT AT FAULT claim. I advise my clients to call me first in the event of a small claim no matter if it is at fault or not depending on what might be better for the client at that particular time. Some times it is better to pay out of pocket due to the deductible and claims history. It can be very complicated but you can talk to your broker and see what is said. Now some brokers will let the insurance company know right away and some will not. All depends on the broker. I will always advise as to what is best for teh client and not let the insurance comany know if the client decides to pay out of pocket.
PM me if you care to talk.
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