Should I file an Insurance Claim for Bumper Damage? Having car insurance coverage does not mean that you need to drive my house and get involved in an accident, then file a claim. One of the downsides of filing claims is that your car insurance company might just decide to increase your rate.
So, unless it is absolutely necessary, you should not be filing claims up and down. Today we are asking ourselves the question, should I file an insurance claim for bumper damage?
If you are asking this question, it means that you have been involved in an accident and your bumper has been damaged. And so we are going to ask her that question by asking ourselves a series of other questions. If the answers to the other questions turn out to be yes, then it is definitely right for you to file a bumper insurance claim. Therefore, without further ado, let’s go ahead and jump in and get our answer to the question.
Should I file an Insurance Claim for Bumper Damage?
Anybody asking this question has been involved in an accident where his or her bumper has been damaged as a result of the incident. The goal of purchasing car insurance is to protect you financially in the event that your vehicle is involved in an accident and suffers major damage. It is not to cover you whenever you get into a minor accident that you can simply fix on your own without insurance.
That being said, not all situations require you to file an insurance claim if your bumper has been damaged in an accident. Before picking up your phone and calling your insurance company to file a claim, you first need to answer some questions to know if it is right to do so. To prevent your insurance company from raising your premium rates in the next few years, take your time to answer the below questions:
Was another driver involved in the accident?
After the accident has occurred, the first question you need to ask yourself before filing a claim is if another driver was involved in the accident. If the accident occurred as a result of a collision with another vehicle, then you should definitely inform your insurance company. It doesn’t have to be if there is major damage or not. This is simply to protect yourself in case the other driver decides to file a lawsuit.
So, in this case, it is definitely very important to contact your insurance company even if you are not going to file a claim. This is so that you can protect yourself in case you are sued for liability.
Was anyone injured in the accident?
The next question to ask yourself after the accident is if anyone was injured during the accident that occurred. If anyone, either you or your passenger, or the other driver, or their passenger, was injured in the accident, you need to contact the insurer. You need to contact your insurance as soon as possible, regardless of who is responsible for the accident.
You should not try to keep the accident that occurred from your insurance company and try to pay for it from my pocket. Because this might result in consequences later on when any party decides to sue you for liability.
How much is the bumper damage going to cost compared to your deductible?
This is the most important question you need to ask yourself if you are thinking of filing an insurance claim for bumper damage. If the expense of repairing your bumper damage is more than your car insurance deductible, then you definitely need to file a claim. But in this situation, where the bumper damage repair cost is lower than your deductible, you should not go ahead and file a claim.
When to file a Bumper Damage Claim
There are several other situations where you might definitely need to file a claim, and some of the situations are listed below for you to see:
- When you have to pay for liability coverage for another driver.
- When you cannot afford to pay the expenses caused by the damage to your car, It was not your fault that the accident happened
- When it was your fault that the accident happened in the first place,
These are the three major situations in which you will definitely need to consider filing a claim with your insurance company because you already have an insurance plan in place.
When not to file a claim for Bumper Insurance
Since there are many reasons not to file a claim for your bumper insurance, there are other reasons to file a claim for your bumper insurance. Below are some of the reasons that you need to consider not filing a claim for your bumper insurance:
- When only your vehicle is affected by the accident and the cost of fixing it is a minimum.
- When you have made a recent claim
- If it was your fault that the accident occurred
.The above reasons are some of the reasons why you might not want to file a claim for your bumper insurance.
Frequently Asked Questions
Is it good to have bumper-to-bumper insurance?
Yes, it is good to have a bumper-to-bumper car insurance policy to protect you and the other driver in case you get involved in an accident. It gives you 100% coverage for claims. You also gain immunity from depreciation except for certain damage and lots more.
How much does it cost to repair a crack in a bumper?
It is impossible to exactly tell the amount of money it will take you to repair your cracked bumper because the price varies. The price varies because of the extent of damage and the technique and materials used to fix the damage, so we are looking at anywhere from $800 to about $2000.
How do I claim the insurance on bumper damage?
If the damage to your bumper is minimal, then there is no need to make an insurance damage claim for it. You should definitely go and fix it on your own instead of filing a claim.
Is the bumper covered under insurance?
Bumper damage is not covered if you have a simple insurance package or policy. It is only covered under a comprehensive insurance policy. However, you need to get in touch with your company to know if yours does or not.
Is it worth fixing a cracked bumper?
Yes, it is worth fixing bumper damage because it is essential for the entire health of your car. So it is definitely good that you go ahead and fix your bumper damage.