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by FaerieWhings on May 17th, 2008
I would find out how much repair is compared to your deductible and then decide of your insurance going up is worth it as well. Because when you make a claim your insurance goes up.
by Andy Is Wicked Married to Penal Colony on May 17th, 2008
Typically, you would pay your collision deductible and the insurance carrier would cover the rest. Once you have established a claim, you can pay the shop directly with a check received from the insurance company or in some cases they can pay the repair shop directly. You can't just get it fixed and then present the insurance co. with a bill though.
Have a couple of estimates done. See how much more than your deductible it will be to fix and then decide whether to pay out of pocket or let the insurance company pay. Keep in mind, even though no other car was involved and the repairs won't likely be that much, they can (and will) still consider that an "accident" and apply a surcharge 6 times out of 10.
by Account Closed on May 17th, 2008
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.
by Major Look at yerself on May 17th, 2008
Bummer. I find it easier and quicker to pay, however some panel beaters here will only do insurance jobs.
by CaptainHarley adores his life penguin on May 17th, 2008
That depends upon how expensive it will be to repair the damage and how much money you can spend to do so.
by debsmooth on May 17th, 2008
Have the damage assessed by a good body shop and explain that you are on the fence about claiming it on your insurance. It will certainly drive up your premium. If the damage is minimal then I would just eat the cost. If it involves major structural damage or the airbag went off you should use your insurance. Airbags are very expensive and worth having replaced by a pro. They are life-savers and your life depends on them.
by SupaCute on May 17th, 2008
Depending on your insurance company, some let you report a claim online, and others have a number. You can call the company direct, or speak to your agent. usually the company has a 24-7 number right on your card. progressive is who I ahve and they have it on the back of the card.
As for damages, You would have to get an estimate of the damage that is done from a garage or shop, usually about 3 estimates then decide is its worth turning into the insurance being the cost of your deductible.If your deductible is 500.00 and the damage is 250.00 its obvious that you would be better paying the 250.00 and not turning it into the insurance. The insurance company will take the lowest estimate if you choose to have the vehicle repaired by the shop you choose, otherwise they may have a shop that is with teh company, and get their own quoted price if you choose to use their garage.
As long as no other party is involved and no injuries were incurred I would say that is your best option.
Good luck,
by mikeschmisek on February 16th, 2010
With Farmers Insurance in Colorado - a claim under $1,000 will not impact your rates. A claim over $1,000 will generally increase your rates by about 30% for 3 years. So get an estimate and figure out the extra insurance costs and make your decision.
http://www.coloradosbestinsurance.com
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Comments
Depends a lot on how many and the kind of accidents you've had.
by Rollie on May 17th, 2008
Thanks :)
by Cyndi Ninja on May 17th, 2008
I haven't had any at all, or tickets...but I don't want to be blacklisted by insurance companies lol :)
by Cyndi Ninja on May 17th, 2008