My neighbor accidentally backed into my parked car the other night (a 2019 Subaru Crosstrek). The impact detached part of my bumper and left several black streaks. I consulted an auto body shop, and while they managed to reattach the bumper, they noted some minor cracks on the inside. Additionally, one of the fog lights broke, but it still functions.
I’m contemplating whether to file an insurance claim for repairs. I hesitate to raise her insurance premiums for what seems like a minor issue, but I just paid off my car and would be disappointed if the damage significantly decreased its value. I’m estimating the total cost to repair the bumper and fog light, including labor, to be around $2,000, which I doubt my neighbor is willing to pay out of pocket.
What do you think is the best course of action in this situation?
It sounds like a tough situation, and I can understand your hesitation about filing a claim with your neighbor’s insurance. Here are a few things to consider:
Estimate and Documentation: Since you’ve already gotten an estimate from the auto body shop, keep that documentation handy. It can help you establish the cost of repairs if you decide to file a claim or discuss with your neighbor.
Value Depreciation: Consider how the damage might affect your car’s resale value. Even minor damage can lead to a decrease in value, and if the repair costs are significant, insurance might be worth pursuing.
Talk to Your Neighbor: Before filing a claim, try having an open conversation with your neighbor. Explain your concerns about the potential depreciation and the cost of repairs. They may be willing to cover the expenses directly to avoid going through insurance.
Claim Impact: While it’s commendable to think about your neighbor’s insurance rates, remember that accidents occur, and insurance is designed for situations like this. If they have good coverage, their rates might not rise significantly, especially if it’s their fault.
Personal Comfort: Ultimately, weigh your options based on your comfort level. If you think you can handle the repair costs directly and believe it won’t lead to significant long-term loss, you might choose to avoid the hassle of involving insurance. However, if the repairs are substantial and could impact your car’s value, filing a claim might be the more prudent choice.
Whatever you decide, it’s important to act in a way that feels right for you while keeping the relationship with your neighbor in mind. Good luck!