[msk1986911]

When does it make sense to file an insurance claim? The basketball backboard on our driveway was knocked over in a recent storm. Luckily, the fall was broken by the roof of my car: 2000 Honda Civic (128K miles). The rim scratched the roof on the left side and the pole dented the roof on the right side. Is it worth looking into a claim? Would the claim be against home-owner's or my car policy (2 different companies). I have heard that even inquiring with the insurance company could have a negative impact on my insurance premium.

Any thoughts/comments are appreciated.

Mike