I’m trying to figure out how to handle an insurance claim after a minor collision where I damaged my partner’s car. The other driver was okay and left the scene; we didn’t exchange information since their vehicle was unscathed, and I acknowledge that I was at fault. Initially, I thought the damage was just a minor dent, but it turns out the fender needs to be replaced, and the estimated cost is around $2,500. I’m considering paying for it out of pocket. We both have Progressive and are listed on each other’s plans—can I file a claim under my insurance since I was driving his car? If I do, will that increase his rates? I’ve never been in this situation before, so I’m looking for some guidance.
Trying to understand how to handle insurance claim on this
It sounds like a tricky situation, but let’s break it down.
Insurance Claim: Since you were driving your partner’s car and you have both chosen to be on each other’s Progressive plans, you should indeed be able to file a claim under your insurance policy. However, because you were driving his car, it may also impact his coverage. It’s best to contact Progressive directly to clarify how this situation can be handled under both policies.
Rates and Premiums: When you file a claim, it’s possible that your partner’s insurance rates could be affected, especially since you were at fault in the accident. Generally, if the claim is processed under your insurance, it is likely your rates would go up and not his. But if you choose to file under his coverage, his rates might be impacted.
Out-of-Pocket Consideration: If you can afford to cover the $2,500 out-of-pocket and would prefer to avoid any potential premium increases, that could be a viable route. However, consider that insurance is there for these unexpected expenses, and sometimes paying a deductible can still be more cost-effective in the long run.
Consult with Your Partner: Discuss your options with your partner to make sure you’re both on the same page regarding the best approach.
Future Considerations: Regardless of whether you file a claim or pay out-of-pocket, make sure to document everything related to the accident (photos, repair estimates, etc.), as it may be helpful later.
Ultimately, the best decision will depend on your financial situation and how both of you feel about potentially affecting your insurance premiums. Consulting with your insurance agent can also provide clarity and guidance tailored to your specific policies.