Should i wait get an estimate from mechanic before reports to the insurance?

[zylogz80]

Hey y'all. so yesterday I hit my car front on a high curb the front bumper is def damaged much and will have to be replaced but also I saw green fluid spillage and steam for about 30 seconds right after the impact. I was barely going 2 km/h was literally just tryna park and misjudged the hight of the curb. Some said it's just ac condensor some says radiator so I'll have to get it checked. I am for sure covered for such damages but I don't want my insurance going up too much. it's already high enough cuz I'm a new driver. so if it costs me anywhere around $200 I'm willing to just pay for it and not report to the insurance.

I am not getting any appointments with mechanics here for another week or two. What should I do? do I report it right now? or do i wait for the quote and then make a decision? I'm afraid if i wait that long and get a huge $600-$800 bill They won't cover me.

 

[raphacam]

@zylogz80 There's no way the damage you described will cost only $200 to repair, or even $600-$800.

 

[zylogz80]

@raphacam more?

 

[raphacam]

@zylogz80 Yes more unless you get don't half ass repairs done. But as the other person said, compare to your deductible and then decide.

 

[zylogz80]

@raphacam it's just 500 so is it really worth it to get my insurance rate go up for that?. i got an estimate for 600 from a friend mechanic. I'm not tryna spend too much on the car it's an old vehicle anyways so half asses will do just fine. but i would like to ask your advice if i should pay outta pocket for this one or get insurance involved.

 

[raphacam]

@zylogz80 I would never suggest filing a claim for a $100 payout.

 

[zylogz80]

@raphacam so go all $600 outta pocket you mean ? good thing as it might be is that it seems to be ac condensor and nothing else. it's winters so i won't be needing it cut another 6 months atleast and by then I might just decide to sell off the vehicle.

 

[raphacam]

@zylogz80 Yes, if you can fix it to your satisfaction for $600, then pay the entire amount out of pocket. Save insurance for large losses.

 

[zylogz80]

@raphacam i already found a bumper for free and by the looks of it i think it's the AC condensor. So I'm not sure if that's gonna cost way too much.

 

[laurenheck]

@zylogz80 Body shop techs replace a/c condensers and radiators all the time, so the insurer will probably be unwilling to pay mechanical labor rates, but sure, if they can itemize the damages and take some good underside pictures to send in, that helps. Most people who have this sort of damage send in a bunch of exterior pics of the the car that are pretty useless for estimating.

 

[zylogz80]

@laurenheck I'll try to get better pictures now

 

[creature3]

@zylogz80 Since this is a collision claim, check your deductible first. It may be a $1,000 or higher.

 

[zylogz80]

@creature3 it is 500 i have all perils with collisions and comprehensive both included. I'm not sure if it's worth getting insurance involved