Call my agent of +15 years for my first potential claim ever. Bumper damage on a 2011 Ford Flex Limited.
Backstory: The front bumper and engine skid-plate is un modified but it’s low to the ground from the factory. It’s been drug over curbs it’s entire life (not by me).
Recent story: Parked somewhere recently where the curb was a little higher than most and smacked the bottom of the bumper. Some plastic left the bottom of the vehicle. No damage visible without laying on the ground and looking but I fear it has compromised the bumper to skid-plate transition. I’m hesitant to drive the car at freeway speeds for fear the skid plate will suck air and exit the vehicle.
Insurance agent verifies policy, says I have accident forgiveness but says maybe get a no-insurance quote first. Then weigh the odds of burning the forgiveness and just pay the bill myself.
I have an appointment to have the damage assessed in two days but where do you go from there? What’s your dollar figure cutoff regarding an out of pocket repair
insurance claim? My deductible is $500. The car also needs a windshield but it’s not unsafe (in the field of vision) at this point.
I’m a former mechanic, now desk jockey. Previously I fixed everything myself, hence no claims ever. Now I’m raising two teenage daughters on my own and I don’t have the time to repair/replace and paint a full bumper. This is the first time I have considered submitting a claim at 43 years old and I’m asking for advice.
Backstory: The front bumper and engine skid-plate is un modified but it’s low to the ground from the factory. It’s been drug over curbs it’s entire life (not by me).
Recent story: Parked somewhere recently where the curb was a little higher than most and smacked the bottom of the bumper. Some plastic left the bottom of the vehicle. No damage visible without laying on the ground and looking but I fear it has compromised the bumper to skid-plate transition. I’m hesitant to drive the car at freeway speeds for fear the skid plate will suck air and exit the vehicle.
Insurance agent verifies policy, says I have accident forgiveness but says maybe get a no-insurance quote first. Then weigh the odds of burning the forgiveness and just pay the bill myself.
I have an appointment to have the damage assessed in two days but where do you go from there? What’s your dollar figure cutoff regarding an out of pocket repair
insurance claim? My deductible is $500. The car also needs a windshield but it’s not unsafe (in the field of vision) at this point.I’m a former mechanic, now desk jockey. Previously I fixed everything myself, hence no claims ever. Now I’m raising two teenage daughters on my own and I don’t have the time to repair/replace and paint a full bumper. This is the first time I have considered submitting a claim at 43 years old and I’m asking for advice.