I need some advice on handling an insurance claim for a minor accident. I accidentally damaged my partner’s car in a collision, but the other driver was fine and left the scene without exchanging any information since their vehicle was undamaged. Initially, I thought it was just a dent that would pop out easily, but it turns out the fender needs to be replaced, and I’m looking at an estimated cost of around $2,500. I’m considering paying for it out of pocket.
Both my partner and I are insured with Progressive and are under each other’s plans. Can I file a claim through my insurance since I was driving? If I do, will it cause his rates to increase? I’ve never dealt with something like this before, so I’m trying to figure out my options. Any help would be appreciated!
It sounds like a tough situation, but you have a few options to consider. Since you were driving your partner’s car and were at fault, you can typically file the claim through your own insurance policy. Since you’re both with Progressive and are on each other’s plans, you should be able to report the accident to your insurance as it pertains to the liability coverage for the car you were driving.
Here are a few things to keep in mind:
Filing the Claim: It’s best to report the incident to your insurance company, even if you’re considering paying out-of-pocket. They can guide you through the process and help determine whether it would be more beneficial to file a claim or pay for the damages directly.
Impact on Rates: If you file a claim, there is a possibility that your partner’s insurance rates could be affected since you were driving their car. However, if you pay out of pocket, it may keep claims from affecting either of your insurance premiums.
Consulting Your Insurer: It may be worth calling your insurance agent to discuss potential implications on both your rates and your partner’s. They can provide clarity on how a claim would be processed and the likelihood of any rate increases.
Costs of Repair vs. Deductible: If the repair cost is around $2,500, consider your deductible and how much you would actually pay out of pocket vs. through insurance. If the deductible is lower than $2,500, using insurance might be the more economical choice.
Documentation: Make sure to document everything, including photos of the damage and any estimates you receive for repair costs.
Ultimately, it may be beneficial to file the claim to ensure that you are covered, but weigh the financial implications carefully. Good luck!