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.?

You should place the claim if its going to be a lot more than your deductibile. If not then you may want to just have it fixed yourself. Good Luck10 yrs in the biz

if you turn in your car at the end of the lease, you are going to have to pay for all damage on the car. Anytime you turn in a lease, unless the car looks perfect, you are most likely going to own some money. Leases are never a good idea for that reason

You should file a claim with your insurance. That is what it is for. If the accident is a "no fault" claim, your rates are likely not to go up. If you turn this car in with that much damage, you are going to get taken for a ride when you turn it in. Remember, the lease company needs to resell this car. They either make money from the eventual buyer, or they make it from you.