I was parked in a parking garage with very tight spots and concrete polls that seem to jump out at you. I bet this garage was built by a bunch of auto body shops. Anyway, I was backing out and my left rear side, just above the tire scraped one of these concrete polls. The damage wasn't huge, but will probably still cost a lot to fix.
I am just wondering how this will play out with my insurance company. Since it was my fault and no one else was involved, will my insurance cover it? If so, will my insurance rate increase because of it? I know that I will have to pay my deductible no matter what. Am I better off saying that someone hit me while I was parked and they took off? I am normally so careful, have never even scratched one of my cars before. Very frustrating. Thanks for any info.