FAQ:

My rainy day accident?

As I was making a left my car skidded near the center divider. I turned the steering wheel a little to the right and it skidded and i hit the metal railing and damaged my bumper. Should I report it to insurance or just try to get it fixed on my own?

Answer by Nestor M
I would say fix it on your own or else your insurance rate is going to go up

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9 Responses to Loader: My rainy day accident?

Sam M says:

January 2, 2012 at 7:47 pm

It’ll buff out.
Dr. House Rao says:

January 2, 2012 at 8:02 pm

fix on your own…
Sharkey says:

January 2, 2012 at 8:11 pm

if the damage is not that bad then just fix it yourself
alicia says:

January 2, 2012 at 8:21 pm

i would report it to insurance cause they will fix it for free
Stuart says:

January 2, 2012 at 8:35 pm

This is a financial question.

Is the damage more costly than your deductable?

In other words, if you have a $ 500 deductable, and the damage is $ 700, your insuurance company will give you $ 200, and note an at-fault accident on your insurance record.

That scenario is not a good one. Just fix it.

On the other hand, if the damage is $ 5000, you’ll get $ 4500 and can get it back to looking the way it’s supposed to look. That’s what insurance is for.

- Stuart
denfasr says:

January 2, 2012 at 9:21 pm

get a estimate before you make that decision. Here why! If the damage is under $ 1,000.00 depending on your insurance company you may or may not be charged with a accident; if they charge you with a accident your insurance rates will go up about 25% for the next 5 years. So think about it hard before you make a decision. What could be only 6 or 7 hundred dollars could end up costing a few thousand dollars.
ronald h says:

January 2, 2012 at 10:19 pm

Get an estimate to fix it before contacting the insurance company. There is more to bumpers today than what you see on the outside. If the shock system is not damaged then fix it yourself. If it is damaged the cost to fix may be more than you can afford so you may want to turn it into the company. Consider also you will have a deductible so a chunk of it you will have to pay yourself.r
zorak says:

January 2, 2012 at 11:13 pm

Check into the costs. Do you have a deductible on your car insurance? If so and if the damage is minor it might pay to get it fixed yourself. Try to find a mechanic who does that kind of work on the side, you will never find a body shop to do it on the cheap or cheaper than your deductible.
Lisa B says:

January 2, 2012 at 11:49 pm

I work for an insurance company. You need to report this to your carrier for a couple of reasons. One, you are required to by your contract with them. Two, it is your choice whether or not to use your policy for your repairs once reported. If your carrier does not pay, it should not increase your premiums. And the most important, the damage you may have caused to the guardrail that you hit. If a bill comes in to your insurance company from the state, and you haven’t reported it, your insurance company can refuse to pay for it, since you didn’t uphold to your obligations by reporting this. Guardrail damage can run into the $ 1000′s and you wouldn’t want to have to try to pay for this yourself.