Long story short, at a supercharger and another driver ripped the Xpel wrap on my door by swinging his door wide open. He had originally agreed to pay cash, but once he saw the quote for replacing the film he wanted to use insurance. Does anyone know if insurance, directly or indirectly (via data sales etc.), report accidents to Carfax even if they're minor (e.g no body damage but paying for film replacement)? There was no police report and it's not going to a body shop, just the shop that had installed the original film. The main concern being that if it appears on Carfax, the value of the car would have went down because of this minor accident.