by Cyndi Ninja on May 17th, 2008

Cyndi Ninja

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Insurance question: I backed into a pole (crappy day), how does one typically go about submitting such a claim for insurance? Do you pay them your deductable and then they pay the shop? Is it usually worth getting them involved, or cheaper for you to pay?

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  • by Account Closed on May 17th, 2008

    Account Closed

    To submit a claim you would contact your insurance rep. they will send out someone to check out the damage and take pictures. They will seek out the damage worth and many will give you a check minus the deductible.

    If the damage is small it would be advisable to repair it out of pocket and not report it as many insurance companies will increase your payments whenever a claim is submitted.

    Most fender benders are cheaper then deductibles anyway and you be helping yourself just to have it repaired out of pocket.

    Comments
    • Thank you Wanbli, looking at the damage, I bet the whole bumper and panel will need replaced :(

      Cyndi Ninja

      by Cyndi Ninja on May 17th, 2008

    • I do hope you are ok as that is what is really important.

      Account Closed

      by Account Closed on May 17th, 2008

    • Thanks sweetie, I'm fine...I was only going about 2mph, but it still did a heck of a lot of damage :(

      Cyndi Ninja

      by Cyndi Ninja on May 17th, 2008

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