If I scraped the side of my car on a guardrail should I go through insurance? My first estimate for repairs is $4000. I thought it was better to pay out of pocket so my rates don't increase but some people are telling me I should absolutely go through insurance. Any advice is appreciated, thanks!
Posted by CleverCat57
3 Comments
It’d be an at fault collision on your record and could raise rates. Pay out of pocket if you can afford it.
I had a crease down the entire side of my vehicle cause by a large tree branch. Insurance paid the entire $7000 repair. No significant bump in rates.
I was in an at fault a few years ago in a blizzard. $5k claim, my rate went up $13/month. Id probably go thru insurance. As my agent said – that’s why you have it.