So, you’ve backed into something and don’t know if your insurance will cover it? If you have collision coverage you’re in luck! Collision insurance is an optional policy that covers damages to your vehicle, whereas non-optional liability only covers damages incurred to another vehicle. Most auto accidents will fall under the collision policy, and most people already have it.
Depending on the severity of the damages and the amount of your deductible, it may or may not be beneficial for you to make a claim. If the damages are less than your deductible, it would be better to just pay for the repairs out of pocket. If they are more, making a claim is the way to go.
How do you know if the damage is more than your deductible? The easiest way to assess the situation and decide if you need to file a claim is to bring your vehicle in for an estimate. You can even upload pictures and get an online quote through our website streetscenesauto.com. If we determine that an insurance claim needs to be filed, we will handle all of the paperwork, insurance adjusters, and rental car for you!
Will filing a claim cause my premium to increase? Unfortunately, it could. Depending on the policy you have, your accident history, and the extent of the damages there is a possibility that backing into your neighbor’s mailbox could cost you yearly as well.