yes thay will rase your rates for something that small i would pay out of pocket

Yes, fix the small one yourself!! If you like your company and price you’re paying, don’t put in that second claim. The Deer collision claim is Act of God stuff. It will not raise your rates. If your rate goes up at renewal time, it is a general rate increase. But if you put in a Collision claim, 1. You will pay your Collision Deductible up front. 2. Your company might consider you “Accident Prone”, and NON-RENEW your policy for Claims Experience. This is especially true with Homeowners Policies, I advise my clients if you can afford to replace the carpet or repair the busted pipe, do it. Homeowners companies will drop you for excessive claims in a hurry.

Only when you are deemed more than 51% at fault for a collision and depending on the state, the amount of property damage, can your premium be increased. As for the deer that ran in front of your car – most likely it was considered either a comprehensive loss, or a not at fault collision loss; as for when your car was hit in a parking lot – was your car parked? If so, it’s also considered not at fault, therefore your preimums cannot increase for that. You would only be responsible for your deductible.