If you get involves in a car accident, one of the parts of the car that is likely to get damaged is the bumper. It is where its name “bumper” originated from and even if you find yourself in a minor accident where the front part of your car gets to collide with another object in its front, what you should expect is for your car’s bumper to get damaged whether it is a minor scrape or dent.
As small as bumpers might seem, repairing them might get costly, which brings us to the question: Should I file an insurance claim for bumper damage?
The first question that needs to be asked is if the car bumper is covered by any car’s insurance policies, which depends on what kind of auto insurance the driver has.
The best thing that you can do as the car owner is to set some money aside from your paycheck and see if you can pay for some repairs yourself. However, maintaining a car is indeed unavoidable because even the best cars with the best technologies and designs still get to break down too.
Should I File Insurance Claim For Bumper Damage
It is easy to avoid mechanical repair costs, but you see costs that are relating to accidents; those are the ones that are difficult to avoid. So trying to stay away from accidents or prevent getting involved in an accident is one of the ways that anyone can try to keep these accident-related costs down.
If you have the right kind of auto insurance coverage, especially collision coverage, and you get involved in an accident, then your insurer is likely to replace the bumper that got destroyed in an accident.
It means you would typically need to file a bumper damage claim against your own collision insurance, whereas you are the one found at fault for the cause of the accident. If you are the cause of an accident, you should be held responsible for the following damages. Since you are the driver at fault, you must have physical damage coverage in your insurance policy, or It would not cover the damage.
The truth is not everybody would be willing to pay a thousand dollars for a new bumper if they are involved in an accident. So you must have an understanding of what your insurance policy is and what it covers ll as what it doesn’t cover.
If you want your insurance policy to bear the cost of a new bumper and the paint job required, you need to have comprehensive car insurance and collision coverage. Everyone doesn’t need to have the same type of coverage, so speak with your insurer and know what is best for you.
How Much Would It Cost To Fix A Bumper
The cost of fixing or getting a new bumper is dependent on what kind of car you drive. For example, it might cost less to fix the bumper of an older model of a vehicle compared to a newer model.
However, on average, it would take between four hundred dollars to one thousand dollars to fix a bumper, and certain factors would tend to influence what you have to pay to fix a bumper. These factors include;
- Model, make, and year of the vehicle
- Materials used in making the bumper
- What it would cost to do the original paint job of the vehicle
- If the bumper was made by the original manufacturer or someone else
- Cost of the frame of the car, headlights, and other components
If the cost of your bumper isn’t so high and the price is affordable, then it would be a sage decision for you not to file an insurance claim, but instead, you should pay for fixing it out of your pocket.
It helps keep the cost of your auto insurance down for a very long time. However, your insurer can also go on to bear the cost of the bumper repair if you do not have any fault in the accident.
If your insurance policy has the right form of protection and if the driver is at fault, insurance would pay for all the damages.