Should I file a claim for a fender bender?

Question

I was recently rear ended and didnt know if I should file a claim or not. Only my rear bumper if scratched and dented. My dad told me to "take the check" but I didnt know if taking a check and not fixing my car would be considered fraud. Thanks.

Answer 1

You are not committing fraud by taking the money and not fixing your car...in the long run when you go to sell the car or trade it in that dent and/or scratch will lower the value of the car if it is not fixed, so the money you took makes up for that. IF, however, you do not know the name/ins carrier of the other person then I would NOT file with you ins. company. They might raise your rates or drop you altogether based on your claim history.

Answer 2

Claims raise insurance rates, more so because everybody has to pay for it. Even not at fault drivers with perfect driving records have a small percent tacked on for this, and the more claims that are filed, the higher the insco's go, and that's the way it is. Our premiums pay mostly for the Insco's to exist, the Insco is a business so we pay their rent, their electric and phone and water, the clerks wages and the furniture in the office long before we even reach the amount they put aside for claims, and rest assured if someone is going to lose money in this transaction, it wouldn't be the Insco.

But it is not fraud because the damage to your car will affect the price should you try to sell it, and more likely than not the effect on the price will be about the same amount as it would be to have it fixed, and it is ultimately your choice what you do with the money.

With all that considered, I probably would file depending on the damage when compared to the entire car. If it's just another scratch among dozens then probably no, but if it's the only scratch and dent and the car is otherwise awesome, then probably yes.

Answer 3

YES if you were in a fender bender your entitled to that money and you cant let the other party that hit you get away with this think about this if your car is old take themoney and buy yourself stuff you need if its new then it might be worth fixing but your not scaming anything at least your ok TAKE THE MONEY

Answer 4

"are you able to've you insurance invoice the celebration that hit you without filling a declare?" No. that's no longer how insurance companies artwork. in case you notify the insurer they pays to repair your motor vehicle subject to the collision deductible you chosen. Upon cost they're going to seek for restitution from the negligent events insurance business enterprise. in the event that they get well a freelance they pay off your deductible. i be attentive to the place your coming from. you desire to assist the youngster out. so which you are able to come to a call first that the wear on your motor vehicle is, in certainty minor, and which you suffered no harm. then you certainly ought to come to a call if the kinfolk is undemanding. Will they carry on with with the aid of on what they say they're going to do? Will the examine they supply you be sturdy? it rather is a skill headache. Your sticking your neck out right here, this is why your loved ones is asserting merely checklist it on your insurer and forget approximately it. it rather is as much as you to make the call.