My car was hit in the process of being repaired
About a month ago I was involved in an accident that caused damage to my back bumper and I am currently in the process of finding a collision repair shop to fix the damage. Unfortunately my car was hit over night and I do not know who the driver is that hit my car. Based of the damage caused from the hit and run, I can tell the cost of getting my back bumper fixed is going to cost more than what was originally quoted, which was around $400. Since this event happened after making a claim, and my back bumper has not been repaired yet, and there is now more damage done than what was done in the original claim, will my insurance still cover the cost to have it repaired if it is more than my deductible of $500? Or is this now all going to have to come out of my pocket?
This can be a tricky situation. Since there was damage caused by 2 different events, you will need to report both to the insurance company if that's how you want to get them repaired. If you have collision coverage you will be able to get your car fixed and yes you will be responsible for the deductible. In order to file a claim, the value of the damage must exceed the value of your deductible. If you have uninsured motorist coverage for property damage, it may cover the damage caused by the hit and run - the second accident. An uninsured motorist property damage claim typically doesn't affect your premium as much as a collision claim does as it is seen outside of the control of the driver. If you find out the cost to repair your bumper is not far off from your deductible you may want to consider paying out of pocket for the repairs. This will avoid having an accident on your record, which can affect your rate even if you are not at fault because there is a higher risk that your carrier will have to pay out in the future. An at-fault accident raised rates an average of 45% in Indiana in 2020. If you're curious, you can find additional information about the claims process in our guide to filing claims.