The dent is on the driver side of a 2006 Honda Civic EX over the rear tire. Should I report this to my insurance company then get it fixed or just take it stright to a body shop? Looks like it was slightly dented in with a shopping cart while i was at the store, not to bad but noticeable with the smoothness of that part of the car's body frame. Which was is cheaper or better for me as a owner, car was purchased in July brand new off the lot of this year.
2006-10-17 10:17:04 · 8 answers · asked by Anonymous in Cars & Transportation ➔ Maintenance & Repairs
The dent you're describing would have to be pretty epic to make going to your insurer worth it. Since you said "slightly dented with a shopping cart" it sounds minor enough that you're deductible is likely high enough that you would pay for the whole thing anyway. I wouldn't give the insurer an excuse to raise your premiums, just get it done yourself.
2006-10-17 10:27:43 · answer #1 · answered by Robert 3 · 0⤊ 0⤋
If it is one of those smooth dents you might be able to pop it out yourself. One way to do it is to take a plunger, put it over the dent and pull. I've done it, and it really does work. If it is a "crunchy" dent you'll need body work. I'd get a quote first and see what the cost might be. If it is relatively low, pay for it yourself. Once you make an insurance claim your insurance premims will go up for years. You need to weight the costs of both situtaions and see which is better for you in the long run.
2006-10-17 10:28:05 · answer #2 · answered by tsopolly 6 · 0⤊ 0⤋
Do not give your insurance info. In this case, both parties agree {verbally, which is a legally bind contract] to not exchange Insurance and settle without the police or the Insurance companies. In an accident, you are not required (by Law) to notify your insurance. Your insurance wants you to. The police do not need to be called to the crash unless either the cars are severely damage and/or there are people injured or may die. You are required by law: notify the other party if you hit their car or private property. Also, to stop when you hit something. If a person(s) is hit you must call the police & medical help. In your case: Both parties stopped, no one was injured, and you both verbally agreed to settle it without either insurance companies involved. Now, there is still a problem, you agreed to fix her car. That you must do. It is best to let your insurance companies handle it because there was a lot more than $200 damage. That is why she changed her mind.
2016-03-28 13:18:52 · answer #3 · answered by Anonymous · 0⤊ 0⤋
For some thing this small just go to the body shop, why would you want higher insurance rates for 3 years or more?
2006-10-17 12:22:26 · answer #4 · answered by William L 1 · 0⤊ 0⤋
i would not go through the insurance company as it will go down as a claim on your insurance and cost you more the next time you renew your insurance, as you will have made a claim and be a higher liability. i would take it to a GOOD body shop, or where you bought the car from and ask them to get you a price to fix it, Honder Dealers your best bet for the best job., as they will most prob to the best job.
2006-10-17 10:23:14 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Just get it fixed. The price would probably not be as much as your deductible; all you would have done is filed a claim, which will make your premium go up.
Insurance is for the big stuff.
2006-10-17 10:25:22 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Yeah! what the previous people said and if your new car has a warranty check it and see if it covers body damage, you may get the body work done for a lower price or for free.
2006-10-17 10:40:48 · answer #7 · answered by WEAJR. 2 · 0⤊ 0⤋
Find out what the repair cost is. If it is less than your deductible I would not report it as they then know you have a claim no matter how small
2006-10-17 10:23:08 · answer #8 · answered by waggy_33 6 · 0⤊ 0⤋