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Should I claim insurance or repair the bumper myself?

1 Answers

Jason

07/29/25 11:58pm

Car insurance renewal premium rates may increase or offer discounts based on the number of claims and the amount claimed in the previous year. If the car's bumper is damaged, filing an insurance claim for repairs usually affects the premium discount for the following year. Detailed explanation: If the repair cost is less than the potential increase in the next year's premium due to the claim, it is more cost-effective not to file an insurance claim. Therefore, whether to claim insurance for a damaged bumper should be determined based on the repair cost. Car owners can decide whether to file a claim according to their specific situation. Vehicle insurance period: The coverage period for vehicle insurance is generally one year. For renewal, you can renew the insurance up to one month before the policy expires. The timeframe is quite flexible, but car owners should plan their time in advance.

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