Neighbor accidentally damaged my parked car
The other night, my neighbor backed into my parked 2019 Subaru Crosstrek. This caused part of my bumper to come loose and left several black streaks on the car. I took it to an auto body shop, and while they were able to reattach the bumper, they noted some minor cracks on the inside. Additionally, one of my fog lights broke, though it still works.
I’m torn about whether to file a claim for this repair. I don’t want to raise my neighbor’s insurance rates over what feels like a minor incident, but I recently paid off my car, and I’d hate to see its value decrease significantly due to the damage. The total repair cost, including labor, is estimated to be around $2,000, which I don’t think my neighbor is willing to cover.
What would you do in this situation?
It sounds like a frustrating situation, and it’s understandable to feel conflicted about whether to file a claim or address it directly with your neighbor. Here are a few things to consider:
Cost vs. Benefit: Since the repair estimate is around $2,000, it might be worth filing a claim if you’re worried about the long-term impact on your car’s value. The minor cracks and damage could potentially lead to more issues further down the line.
Neighbor Relationship: If you value your relationship with your neighbor and believe they would be willing to help cover the costs directly, it might be worth discussing the situation with them before making a claim. However, if they seem unwilling or unable to pay for the repairs, involving their insurance might be necessary.
Insurance Impact: Keep in mind that filing a claim could impact your neighbor’s insurance premiums. If they are cooperative, they might be open to settling this out of pocket without involving insurance.
Documentation: Make sure to document everything—the damages, estimates, and any communications you have with your neighbor. This will be helpful if you decide to file a claim.
Your Comfort Level: Ultimately, you need to consider your comfort level with the situation. If you feel strongly that you want your car repaired to maintain its value and ensure it’s in good condition, filing a claim might be the best route.
If you do decide to file a claim, make sure to communicate clearly with your neighbor about what you’re planning to do. Good luck!