No claim history. Hit a metal pole turning in a gas station (lower side of vehicle). New vehicle under 1k miles. Damage quote was $3,200. Current insurance is $164/month via Amica with a no claim discount. Deductible is $1,500.
Pay this $3,200 to repair or file a claim?
First time dealing with claim for personal vehicle so not sure how to navigate the math since it seems pretty close either way.
Thank you for input!
New Van- hit pole. Claim or out of pocket?
byu/Bigtex1303 inInsurance
Posted by Bigtex1303
3 Comments
Definitely pay out of pocket. Look for other shops that may be cheaper.
You’re out $1500 either way, so the delta for self-pay versus claim is $1700. Definitely worth it to self-pay – you’ll be far better off in the end.
With a $1,500 deductible on a $3,200 repair, I’d just pay out of pocket. A claim will likely raise your rates for a few years and wipe out any “savings.” Not worth having it on your record.