Ultimately, you will need to talk to your insurance company. However, in general, your insurance rates could go up if you place a claim with your insurance company. Remember, even if your insurance company says your insurance rates will increase, you will need to weigh that against driving around in a damaged vehicle (or not being able to drive at all due to a disabled vehicle).

Remember, you can click here to get a quote for auto insurance Ontario (or anywhere else in Canada and the United States) to compare your rates.