Agree as well ^. Really depends on your company. Technically, it is an accident anytime your vehicle is damaged on a roadway, but that's more of an LE issue than an insurance issue. Often times, insurance companies will give you as hassle if the damage isn't documented some how, such as a police report. Personally, I feel that's more due to them trying to avoid paying a claim. Good luck with it. Might as well ask them about it. You can always pull the claim.
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