I think that depends. If someone breaks a car window or spray paints a fence it's likely cheaper to repair it yourself if your deductible is 500-1000. People ar

I think that depends. If someone breaks a car window or spray paints a fence it's likely cheaper to repair it yourself if your deductible is 500-1000. People are also cognizant that if you ever report anything to insurance that your insurance sky rockets so they're less likely to report. Paying $500-$1000 would not be "minor" to me, but is minor in a crime sense.