Is this something one should file an auto insurance claim for?
I posted in an auto repair channel about my friend banging the door of his car against my garage frame as we were looking for DIY options to make it look better. A couple of comments, however, mentioned getting a new door through insurance. Neither of had even contemplated that as an option. For context: my power had gone out and so it was very dark and he was distracted from a family emergency he needed to attend to, so he started driving out of my garage with his front door fully open, which banged against my garage door's metal frame. He made this bent/dent to his car and my garage frame is dented. I am okay with it since it's fully operational. Is this something for him to file a claim over, though? Would that inevitably increase his premium? Is this something I should file a claim for from my home insurance at all? I know you can't predict by how much but any guidance on how to choose when to/not to file and from which type policy? Ideally he'd need a new door and I'd need my frame repaired. In case it helps, he has StateFarm car and I have StateFarm home insurance.