I accidentally hit a poll, no one was injured.
Only damage to my front bumper.
I went to a body shop and the estimate is ~$2000.
My deductible is $500.
Should I go through my insurance or just pay it out of pocket?
Will a claim automatically make my insurance go up?
I am a 29 y/o married male with a clean driving record.
olrac
Favorite Answer
yes it will go up and will stay in your record for 3 years. this insurance companies are just ridiculous.
Anonymous
I recommend you to try this internet site where onel can get quotes from the best companies: http://COVERAGEFINDER.NET/index.html?src=2YAjLj97KXn89Ryh
RE :Will this affect my auto insurance rate?
I accidentally hit a poll, no one was injured.
Only damage to my front bumper.
I went to a body shop and the estimate is ~$2000.
My deductible is $500.
Should I go through my insurance or just pay it out of pocket?
Will a claim automatically make my insurance go up?
I am a 29 y/o married male with a clean driving record.
Follow 15 answers
jaz
If you have one forgiveable accident on your policy, then you're likely ok, unless you have another at-fault accident within the next several years. It really depends on your insurer, and where you are. Some insurers offer 9 years claims free, so theoretically, your rates could go up the first year, and then STAY UP until you reach a certain number of years claims free. So, that $2000 repair charge could end up being a real bargain in the long run.
Since the charge isn't thousands and thousands now, I would not recommend putting it through your policy.
Anonymous
Use the insurance. That's what it's for. Do you think your premium will go up by $1500 dollars during the next year? I doubt it. My wife trashed her Jeep and did 9K in damage and my insurance went up $0. 5 months later some old coot slammed into my parked pickup. My rates went up $0.Turn it in and call it a day. Even more so if you have a good record. Don't wait forever. They are going to ask you a few questions when you try to claim it.
Boots
Hitting a pot hole is considered an at fault collision loss.
Since pot holes don't move - it is considered a fixed object. You are negligent for hitting it. You should have been keeping a proper look out and seen the hazard in the road - and taken appropriate action to avoid causing damage to your vehicle (safely slowing so that you can drive through the pot hole w/o causing damage or safely changing lanes to avoid it.).
Any time you have a claim for an at fault collision loss there is a chance your insurance premiums will go up.
Talk to your agent - he/she may be able to give you an idea how this would affect your rates and if you should file the claim or pay out of pocket.