Should I File an Insurance Claim for Bumper Damage?

In cases of expensive collision damage, most Hollywood and Santa Monica drivers won’t hesitate to file a claim with a car insurance provider. But, let’s say you’ve been through a fender bender and you’re wondering, “Should I file an insurance claim for bumper damage?”

The answer depends on a number of factors. To help you determine the best path forward, North Hollywood is here to run you through the facts that you should know. We’ll cover questions like:

• Does insurance cover bumper damage?
• How much does insurance pay for bumper damage?
• When should I not file an insurance claim for bumper damage?
• When should I file an insurance claim for bumper damage?

Does Insurance Cover Bumper Damage?

Let’s start with the basics, “Does insurance cover bumper damage?” The answer is yes, most insurance plans will cover damage to your bumper from an automotive accident. If the damage was caused by a falling object or a natural disaster instead, then this is generally covered under comprehensive insurance.

How Much Does Insurance Pay for Bumper Damage?

Next, how much does insurance pay for bumper damage around Los Angeles? This is where you’ll need to pay attention to your deductible and do some math. Bumper damage can range anywhere from $100 for a basic repair to $1,000 for more severe damage. If your deductible is $500 and your repair costs $100, it makes sense to pay out of pocket to avoid the deductible. If your deductible is $500 and your repair costs $1,000, it makes more sense to file a claim and let insurance pay half.

When is It Best to File a Claim?

• If you’re at fault, you should file a claim under liability coverage.
• If the cost of repairs is higher than your deductible, you should file a claim to cover the cost.
• If another driver is responsible for damages, you should file a claim to get liability coverage from the other driver.

When Should You Not File a Claim?

• If you’ve had another claim within the past three to five years, filing for a fender bender could raise your premium quite a bit.
• If you damaged your bumper yourself and didn’t involve another party, it’s best to pay for the damage on your own to avoid any red flags from your insurer.

Get Quality Car Service at Eli’s Collision Center

Whether you need help with bumper repair or paintless dent service, don’t hesitate to reach out to Eli’s Collision Center in Los Angeles with your vehicle needs. Our team is happy to bring your car back to life, and we can walk you through every step of the process. Contact us today to learn more!