A few days ago I idiotically scraped the side of my car against a concrete column. There was no damage done to the column and no dents on my car, but there is a significant amount of scratches on my car. The kicker is this car is only about 6 months old.
The real mistake may have come when I called my insurance company (US insurance company that seems to be fond of geckos) today. Originally I just wanted to call and see what my coverage is for cases like this, without filing any claim. Well I wasn't thinking straight and am fairly inexperienced still, so I ended up filling a claim with my insurance company, but deciding not to use my coverage to pay any of the repair expenses.
Once I realized that what I had actually done is file a claim, I called back and asked them to cancel it, which they could not do, but they did close the claim for me.
Now my main concerns, in order of priority are:
Will this be reflected on my carFax or similar services for accident reporting?
Will this cause my insurance rates to go up?