[Quebec] Was in a not-at-fault accident, new car, small damages, would you claim insurance
So I was just in a not at fault accident that my rear bumper was hit. There were some scratches and cracks on the rear plastic bumper. It is a 6 month old car.
I wonder if I should claim insurance? (I have to claim my own insurance because Quebec is no fault)
After some searches in this forum, my concern is in Quebec, it seems like not at fault accident will still affect my rate.
Also, if I go to a shop which insurance company allows, I think it would be a big hit on my resale value
The other party has no damages and tells me that I should claim my own insurance, so it is not possible to do it other way.
Thanks for advice.