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      11-05-2012, 09:32 AM   #2
Drives: E92 335i
Join Date: Feb 2008
Location: Phoenix AZ

Posts: 2,137
iTrader: (7)

Had this happen to me (key gash across my hood) earlier in the year. You do not need a police report as 99% of the time there's no camera to see it and quite honestly there isn't a police department that is going to go sniffing for the culprit.

Insurance will take care of this for you using your deductible. Some companies will raise your rates and some will not considering that it's not your fault.
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