Should I Claim Insurance for Bumper Replacement?

1 Answers
NoahRose
07/29/25 4:44pm
Whether to claim insurance for bumper replacement can be most easily determined by comparing the insurance discount with the repair cost. If there have been no claims for over 2-3 years (specific terms depend on the auto insurance policy), the discount is generally higher than the repair cost and increases annually. In such cases, it's more advisable not to file a claim. Conversely, if the insurance discount is lower than the repair cost, it's better to proceed with an insurance claim. Below are some details about insurance claims: 1. First scenario: If you file a claim for the bumper repair, your premium will remain unchanged with no discount for one claim. 2. Second scenario: If you repair the bumper yourself without filing a claim, you may receive a discount on next year's premium.
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