Report to Insurance before sale or no?

[FastbackJon]

I've been thinking about selling my '68 Charger R/T for various reasons. It is a nice painted car, older restoration, no visible rust, nice vinyl top, nice interior.

What happened is I got a small scratch (my bad) in the passenger door and in the quarter panel of the car. They aren't too big or deep. You don't see metal but it did take some of the single stage topcoat off to show the primer underneath. I got some matching paint and painted it in so the primer isn't noticeable, but you can still tell it isn't perfect.

Surprising the Charger I drive the least (by far) I damage the most.   

Anyhow, what I'm considering is whether or not I should report the damage to my insurance before I sell it. The insurance would pick up the tab for fixing the blemishes and I'd have a nicer car to sell, which makes more money. I suppose I risk higher insurance premiums though?

The other option is to just sell it as is, no mention to insurance and risk not getting as much for it.

What do you guys think?

[68X426]

I think that the penalty of a (permanently?) higher rate will stay with you long after the (potentially) extra sale dollars are long spent away. It's my guess that you can reasonable assume you will always have higher rates if you make the claim (not unlike being downgraded on your credit rating).

[NMike]

spend the few bucks and fix it yourself. save the insurance for when you have an real accident

[FastbackJon]

Couple body guys have told me they'd have to paint the whole quarter panel for the scratch in the middle...     

[Darkman]

I don't think a scratch would devalue the car that much. Either way it will cost you money to get it fixed. It may be cheaper initially through insurance, but your premiums increase and your rating drops. Make sure if you do spend th money, it ca be covered by the sale. If not, don't worry about it 

[Patronus]

Couple body guys have told me they'd have to paint the whole quarter panel for the scratch in the middle...     

SS? thats just not true 

[Silver R/T]

Couple body guys have told me they'd have to paint the whole quarter panel for the scratch in the middle...     

SS? thats just not true 

Yes, you have to blend out paint or you will notice difference where new paint is. No matter if it's single or base/clear you still want to blend in paint