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Old 01-31-2011, 11:36 AM
 
531 posts, read 2,893,844 times
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We don't know exactly how or why, but something happened to my wife's car this weekend--either someone hit her when she was parked or she hit a snowbank or something--the front bumper has a good size dent in it and is partially coming off. She says she doesn't recall hitting a snowbank but there is snow everywhere these days so I think anything is possible. The cost to get it fixed is just over $1,000. We have a $500 deductible. Should we have insurance pay for this? Or will this cause our rates to increase? Thanks.
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Old 01-31-2011, 11:41 AM
 
Location: South Jersey
7,780 posts, read 21,807,838 times
Reputation: 2353
I believe if you tell the car insurance company that someone hit her parked car your insurance will not go up.
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Old 01-31-2011, 11:44 AM
 
Location: Pigseye,mn
24 posts, read 103,725 times
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There is no "other" motorist to determine fault.

Rates go up?-maybe/probably

Pay the deductible?- Yes.
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Old 01-31-2011, 09:51 PM
 
3,071 posts, read 9,104,428 times
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Its hard to say what your insurance will or will not pay for. I have a 500 buck deductible and was told by my agent that even if I paid the 500 and filed for several hundred more that I would be penalized with a big rate increase. The car was broken into so we are totally not at fault. I thought paying the 500 would be enough of a penalty but not so.
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Old 02-01-2011, 07:25 AM
 
10,875 posts, read 13,771,761 times
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In that case i would pay it myself. ANY claim (even if it's not your fault) still goes on your record. I got a rude awakening when i was switching companies and was slammed with sky right rates as i had to use their "high risk" insurance because i had a tow, which stays on your record for three years. I even had tow coverage and was still punished for just using the coverage I paid for!
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Old 02-01-2011, 09:53 AM
 
Location: Pomona
1,955 posts, read 10,955,447 times
Reputation: 1562
Insurance companies love to find reasons to raise your rates ... a small claim like this may not do it this time, but if there's another claim later, it's grounds for a much bigger increase.

What make/model car? The coming off part is probably broke a clip or something. I've helped others improvise with zip ties before. The dented part ... is it still intact otherwise? If you have a some time and a couple hair dryers, it wouldn't hurt to try this first ...


http://www.youtube.com/watch?v=I5pQa_8oA3w
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Old 02-01-2011, 05:14 PM
 
Location: Eastern Washington
17,132 posts, read 56,809,984 times
Reputation: 18419
If you don't want to DIY, consider letting the local high school auto body shop take a stab at it. If the damage is limited to the bumper, at least in principle they should not do any worse than to get it bolted back on and painted but not exactly the right shade of paint. Or, for this specific situation, consider MAACO. I would hesitate to have a cut rate shop do an overall paint job, but for a bumper they should do as well or better than the high school kids.
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Old 02-01-2011, 06:12 PM
 
Location: Out there somewhere...a traveling man.
44,560 posts, read 61,310,624 times
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Rule of thumb; if your insurance company has to pay then you'll probably get a charge back which is a raise in insurance premium. If your company get's the other party's company to pay, nothing happens to yours.
In your case OP if you don't have proof of another vehicle doing damage to your vehicle and your company has to fork out money to you, expect some increase when your premiums come true.
This claim will also be in the national data base so any insurance company can see what you've claimed, so if you try to switch companies to save a buck or two, it ain't gonna happen.
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Old 02-01-2011, 10:06 PM
 
48,505 posts, read 96,577,071 times
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It really depends on claims record with that small a claim.
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Old 10-22-2014, 10:15 AM
 
1 posts, read 4,425 times
Reputation: 10
If someone hits my car an it was parked because I had no insurance do the person who hit my car have to pay for damages
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