I had a very tiny accident (going 5km/h) the other night. It caused around 1300CHF damage to a car (repairs are just expensive. The little dent is smaller than a fist.)

Where I come from, reporting an accident to insurance ends up often costing a lot more in the end, since rates go up for years afterward.

Does anyone have an experience with a fender bender here? Did you just pay the garage fees, or did you report? What was the effect on your insurance?