Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Can I group multiple accidents into one claim?

I backed into a poll and damaged my rear panel and bumper last night. I also have minor scratches and scuffs on my front bumper that happened in a different accident last year. Would I be able to just pay one comprehensive deductible for these damages?

Nov 19, 2017 Sacramento, California

Answer
Author profile picture

Ava Lynch

Senior Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one…

Unfortunately, you would be filing a collision claim which would be categorized by your insurer as an at-fault accident. This will likely cause your rate to increase. And since you have damage to two different areas of your vehicle that came from separate incidents, your insurance company will require that you file 2 claims, leaving you subject to two deductibles. I would recommend getting a few repair estimates before contacting your company to see if you can afford the repairs yourself or if it is worth the cost of 2 deductibles.
Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started. No phone number required.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Will my rate go up if I file a claim for a damaged side mirror?

Put simply, any time you file a claim, there is usually a rate increase. Since you don't know who it is that hit you, you would have to go through your own coverage. Glass claims fall under a comprehensive claim, which tends to be small. However, even small claims can lead to a rate increase. …
Jun 18, 2019 Houston, TX

Debris fell out of truck and damaged my bumper

I recommend you contact your insurance company and give them all the information regarding the accident. This includes photos of the damage to your vehicle, the highway name, time, the license plate of the at-fault driver, and a vehicle description. Providing as much information as possible will ne…
May 19, 2018 Bakersfield, CA

What do I do if someone hits me and provides false insurance information?

Your best bet would be to contact your insurance company for assistance. If you had collision coverage on your policy at the time of the accident then your company should cover your damage anyway. Either your insurance company eats the cost of the claim, minus your deductible, or they will subrogat…
Feb 9, 2017 Los Angeles, CA

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

Ultimately it will depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with Amica. Our most recent State of Insurance report shows that at-fault accidents increase rates by about $450/year…
Apr 17, 2017 Anderson, IN