Actually your insurance does go up for simple claims. When "cherbear" sees this she'll explain more about it. She's an insurance agent and is FL licensed. People put in claims all the time for stupid things, such as one being "My power window stopped working". She had someone put in a claim for that. Guess what, insurance goes up. Guy had racoons in his vehicle, mom and babies. Well one of the babies was stuck inside the dash. Guy put in the claim, they needed to take his dash out so the racoon would be free and survive. Insurance will be going up. Insurance is not there to claim every little thing that happens to your car. A 1g DSM hood that will probably cost anywhere from $30-50 then painting it will save you a lot of money in the long run instead of having your insurance replace it and your insurance rate goes up. If anybody was smart enough you should know insurance companies are out there to make money, so any simple claim will still cost you.