Should we claim on insurance when it is only a small thing?   The above happened to me a week ago.  I was not sure whether it was worth the claim on the ute.  The guy who hit me was very apologetic and actually just lovely.   We were parked at the red light and he momentarily lost concentration and drove straight into the trailer full speed.  Luckily no one was hurt.   He came to my house afterwards, taking full responsibility and organised to fix the trailer.   I had thought about not contacting the insurance company, however, it is better to contact them sooner rather than later. You may think, its just a bent towbar, just get a new one and carry on.  I priced up a new tow bar and ball and that came close to the excess on the insurance.   This truck is used to tow a substantial boat so we need it to be back at it's pre-hit best. If there is any further damage done by the impact, any further accident or problem with ...