I live in Saskatchewan where there is only one option for car insurance. It is all run by the provincial government.
So here's my situation. I have a few chips in my hood and a couple of scratches, nothing major. I had to drive on a stretch of road when it was extremely windy. Thought nothing of it. A month later I waxed my car and noticed it was pitted on the front end. Upon closer inspection, there was pits all over the front end of my car. So I go to see SGI about a claim.
Result..
New - headlights
-foglights
-windshield
New paint on - front bumper
-hood
-fenders
-mirrors
-doors
Total cost of claim=$7000
Total cost to me.. $50 and my insurance premiums do not increase a cent.