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Ok, so I bought a used vehicle (2005 Mazda 3) in excellent condition for my wife. A couple of days later, she hit the back of a small SUV. There was no damage done to the other vehicle, but now the hood on our Mazda is messed up. There are several reasons why I didn’t call the insurance company right away: the first reason is that even though I got insured the day I drove off the lot, we hadn’t even had the car for a week before she got into the accident (I havn’t even mailed the first insurance premium payment, not even the first car payment), and second I was told by an auto body shop that the repairs would be less than $500 which is what my deductible is anyways, so I had no reason to call Progressive. Now that they gave me a definite estimate of over $1000 for the repairs, I’m not sure if I should call Progressive after so many days of having the fender bender … and the first premium and car payment are still not due. Should I call my insurance company to get help with the repairs (I’ve been with them for over two years with no previous accidents)?