Calling insurance for coverage
I want to call my insurance to know my coverage (do I have to pay a franchise/will it go on my record?). The repair is only 200$ at local shop.
Will the insurance automatically count this as a claim or put it on my account even if I decide not to go ahead with a claim?
The person offered to pay half of the cost of the repair and not the full amount.
I had no insurance claims in the past 10+ years.