Lamar Odom is likely to see his car insurance bill go way up ... he crashed his Mercedes into two parked cars in an early morning accident.
A rep for Lamar tells TMZ ... Lamar was behind the wheel when he got into a car crash around 3 AM Monday in a residential area near his home.
We're told Lamar was driving home from a friend's place in Northridge when he dropped his phone inside his Mercedes, reached down to retrieve it, lost control and smashed into a pair of cars parked on the street.