Damage to fog light insurance claim

I cracked my bumper and my fog light is also damaged. My deductible is $500. Should I file a claim? While looking for parking at an event, I decided to pull off the road to turn around and continue looking for parking. There was a vacant lot on the street that I turned into, there was no proper lighting so I didn’t see there was a mound of dirt on the right hand of my path and I ran into it. I saw that I cracked my bumper in a few places and my fog light was also damaged.

Aug 16, 2018 Kennewick, WA

Ava Lynch

Aug 16, 2018

So there are a few things to consider before you file the claim.
  1. How much does it cost to repair the damage to your car? If it's less or close to the amount of your deductible, then you wouldn't want to file a claim because they wouldn't pay much for the damages, if any at all.
  2. Is the damage is more than your deductible?
  3. Will the claim will be listed as an at-fault accident?
    • An at-fault accident will negatively impact your rates for up to five years. Here is more information on whether or not you should file a claim. Also, here is information on what to expect if you do file a claim. Good luck and if you have any other questions, don't hesitate to ask. Below are some expected rate increases for Washington
Year After AccidentAverage Annual Premium
0 - No Accident$1,160
1 Year Later$1,482
2 Years Later$1,804
3 Years Later$2,126

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