If you get involves in a car accident, one of the part of the car that is likely to get damaged is the bumper. This 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 and that’s brings us to the question should i file insurance claim for bumper damage?
The first question that needs to be asked if the car bumper is covered by any of the insurance policy covering the car and this is dependent on what kind of auto insurance that the driver has. The best thing that you can do as the owner of the car is to set some money aside from your paycheck and try to see if you can pay for some repairs yourself. It is true that maintaining a car is unavoidable because even the best cars with 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 cost but you see costs that are relating to accidents, those ones are the ones that are difficult to avoid. Trying to stay away from accident 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.
This means you would typically need to file a bumper damage claim against your own collision insurance where as you are the one found at fault for the cause of the accident. If you are the cause of any accident then you should be held responsible for the damages that follows and since you are the driver at fault then you must have physical damage coverage in your insurance policy or the damage would not be covered. The truth is not everybody would be willing to pay a thousand dollars for a new bumper if they are involved in an accident.
This is why it is very important that for you to have a perfect understanding of what your insurance policy is and also what it covers as well as what it doesn’t cover. If you want your insurance policy to bear the cost of a new bumper as well as the paint job required then you would 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 coverage 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. It might cost less to fix the bumper of an older model of a vehicle compared to a newer model. However, on the average, it would take between four hundred dollars to one thousand dollars just to fix a bumper and there are certain factors that 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 it happens that the cost of your bumper isn’t so high and the price is affordable then it would be a very wise decision for you not to file an insurance claim but instead you should pay for fixing it out of your pocket. This is helpful in keeping the cost for you auto insurance down for a very long time. However you 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 at fault insurance would pay for all the damages.