Claims happen all of the time, but it may not always be necessary to get you insurance involved. If the claim will only amount to a small payout over your deductible I recommend taking care of it yourself. Save filing a claim for the big disaster. That's what insurance is for. My rule of thumb is if the repair is 3x your deductible, file. For example, hail storm and the car has $5000 worth of damage, file the claim. The deductible is usually $500. Garage door is damaged due a