First of all, I have insurance which I could place a claim on. What has happened is someone backed up into my new 07 Honda Accord and didnt leave a note. Now the back bumper and trunk have damage (Cracks and trunk wont open with the keyless remote). I wonder what would happen if I turn the lease in with damage at the end of two years? Should I just go ahead and place a claim on my insurance and take the chance of insurance rates going up? I want to go the cheapest way out and im sure paying out of pocket is too much if you know Honda prices. Unfortunately, there are people that have no regard for being responsible for their actions! Now, it seems i have to pay the price. Any ideas.?