Car insurance exists to cover you financially if your vehicle suffers major damages or if you are involved in an accident with another motorist. However, not all situations require you to file a claim. A fender bender, for instance, is one such circumstance that could put you in a dilemma over filing an insurance claim. Bumper damage is a common occurrence for any vehicle, but knowing whether or not to get your insurance company ito foot the bill could save you money and future troubles.