Yes it will be increasing when you are damaging you car or you are damaging the other car in the accident, the insurance company will be looking to get profit in all the situations and you have to be very careful, if there is any scratch in the car means they will try to insurance the premium of the insurance policy. And if you want to hide it from the insurance policy means you can but if you are caught means you will be fines or else your insurance policy will be canceled. So if you are driving the car means make sure you make no mistake and if you are making a mistake means make a big one so that you will be paid for good.
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