I hit the curb and cracked a good chunk out of my bumper and part of the underbody. Do I necessarily need to get insuranced involved or can I just take it somewhere and pay out of pocket to get it fixed? Thanks
2007-12-31 16:30:21 · 7 answers · asked by Amerz 1 in Cars & Transportation ➔ Insurance & Registration
I really appreciate everyone's help.
To add to my questions...I have a 2002 Buick, I would more than likely need a new bumper and the wheel well area on the driver's side is all cracked. More than a grand to get fixed? I just don't want insurance involved because it's not something huge and I just got into my first accident a month ago.
2007-12-31 16:50:08 · update #1
If you get insurance involved - it will be considered an at fault accident. This could make your rates go up.
You can choose to pay out of pocket if you wish.
2007-12-31 23:44:17 · answer #1 · answered by Boots 7 · 0⤊ 0⤋
If you only have liability coverage your insurance company will not pay. If you have comp & collision your insurance company will pay less your deductible.
However you may prefer to pay out of pocket since the incident will be on your record for a 40 month period and may result in a premium increase or non renewal from your insurance company.
2008-01-01 00:44:46 · answer #2 · answered by Advantage-ME 6 · 0⤊ 0⤋
i wouldn't reccomend it. if you've already had an accident, adding this onto it would mean soraing rates
2007-12-31 17:13:08 · answer #3 · answered by hamn 7 · 0⤊ 0⤋
Yes if it was over 1000 bucks. However, if nobody was injured, and there was no damage to anyone elses property, including the city, then go ahead. That way it won't go against your insurance or driving record.
2007-12-31 16:43:33 · answer #4 · answered by Imhotep 2 · 0⤊ 0⤋
As long as no other vehicles or property damage is involved, only your own property, I would not get the Ins. company involved, The deductiable may be higher than the damage and even if they do pay anything, they will raise your rates and it will go on your insurance record for several years which will also affect the rates of any future insurance companies
2007-12-31 16:39:16 · answer #5 · answered by pigs4me32 3 · 0⤊ 0⤋
thats tough. if you go through your ins they will cover it but then they could raise your premiums or cancel you depending on your history. Otherwise it might cost too much $$ to repair on your own. it wont be cheap that way.
2007-12-31 16:38:09 · answer #6 · answered by Anonymous · 0⤊ 0⤋
if ur copay or deductible is kind of high then no.
2007-12-31 21:31:13 · answer #7 · answered by Anonymous · 0⤊ 0⤋