Should I File an Insurance Claim for a Dented Bumper?
2 Answers
Should I File an Insurance Claim for a Dented Bumper? The following is a partial introduction to auto insurance: Components: Auto insurance generally consists of two parts: basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. Coverage Details: Vehicle damage insurance covers losses to your own vehicle; third-party liability insurance covers damages to targets outside your own vehicle, such as people hit, public property, and the other party's vehicle; passenger liability insurance covers losses to people and property inside your own vehicle; theft insurance covers compensation when your vehicle is stolen; no-deductible coverage ensures 100% compensation in case of an accident. If you don't purchase no-deductible coverage, you will be responsible for 30% of the deductible for each accident.
Hey, last time when I was reversing my car, I accidentally bumped into a wall and made a small dent in the bumper. I was torn about whether to file an insurance claim. My friend at the repair shop took a look and said that small dents can be pulled out using a heat gun and suction cup, costing around 300 yuan to fix. If I filed an insurance claim, my premium might increase by 400-500 yuan annually, which isn’t cost-effective at all. However, it depends on the size of the dent—if it’s cracked or damages a sensor, the repair could cost thousands, making an insurance claim worthwhile. I suggest taking a photo and getting a quote from a repair shop, then comparing the out-of-pocket cost with the repair fee. Don’t impulsively file a claim, as it could cause your premium to skyrocket next year. My lesson is that handling minor issues yourself saves a lot of money—enough to fill up a tank of gas!
