Hi, so few days ago on a stop light my car ended up tapping the car on the front imprinted a mark from one of the bolts sticking out from my license plate. The driver was polite but accused me for paint damage as well and is quoting me for more than $1k for repair. Should I go through with insurance on this or do I negotiate with the driver? Or any advice will surely help. I would show image but probably have to dm it. Thanks!
Pay for Repair or Report Insurance?
byu/arefin_lab1b inInsurance
Posted by arefin_lab1b
2 Comments
I would not turn that in to your insurance. For that amount of money, I would pay out of pocket. However, I would tell the other party that you are going to pay for it out of pocket and see if that relaxes the quote. People tend to gouge the insurance company but will be fair with polite/honest individuals.
That estimate seems reasonable. Plus any supplements and then a rental while it is being repaired. You technically owe them. I would pay that and get them to sign a contract with a witness or notarized stating they won’t file a claim or come after you for more money.
ETA: DMs aren’t allowed. Can post the image to Imgur.