Hi, I am insured through Liberty Mutual in Nevada and have never made a claim with them. Full coverage for about $1,100 a year. Nevada does not offer UMPD. I have a 2018 Toyota Sienna XLE. A car hit me while I was parked, and ran. There is paint damage to my right rear fender and bumper; a lot of long streaks. No dents. My deductible is just $100 for collision. This also happened a previous time last year when the car was brand new (paint damage to left front fender and door with two ultra minor dents you could not see, also from a hit and run), and I had $1,000 deductible back then. The damage was $1,150, so I just paid it myself and made no claim. This time though my deductible is much lower and I estimate the damage will be $1,500 to $2,000, at least, since the area is a lot bigger. 1) Should I not make a claim and leave the cosmetic damage unrepaired? Will this come back to bite me? (I do not plan on selling the car ever.) If I have to make a more substantial claim in the future, will my insurance company lower my car's value by the amount of damage not repaired? Or if I change companies in the future, will they demand photographs in the condition before insuring you, like Progressive does? Liberty Mutual does not use their own adjuster. Last time my agent said they use a certain collision shop to give estimates, which they abide by, whether you choose to make the repair there or not (the shop gave me the estimate the first time and I, as stated, I decided NOT to make an insurance claim, and paid out of pocket). The estimator then did not look over my car and did not check for any other damage before giving the estimate the first time. So I can I assume they do not check for other damage when giving an estimate? 2) If I do make a claim, will my rates go up next year when I renew? This would be my first claim ever, and from a hit and run. I have no violations or history of accidents/claims, and been insured with LM for one year now. 3) I am also considering making a claim for a large crack on my windshield. I do not have no-deductible glass. My comprehensive deductible is $50, which AAA will reimburse me for. I estimate it would be about $300 total (although I have an OEM rider). Should I claim this as well? Thanks!