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

If my daughter caused less than $1,000 in damage to another car, should we still file a claim or pay out of pocket?

My 20 yr old daughter hit someone and tore the owner's rear bumper cover. The cost of replacing the cover and painting is $854 at a local body shop. At her age, it seems that it's likely that the future premium penalty will be greater than the cost of repair.

May 2, 2017 Lexington, KY

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

I would agree with your assumption. In Kentucky, an at-fault accident impacts rates by an average of $917 per year in 2016. Since the accident will impact her rate for 3 years, that's quite a bit more than the cost of the repair. I would recommend paying for the other driver's damage out of pocket if it's possible.

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.

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...

Does my insurance cover the damage to trailer even though I wasn't hauling it?

The claim should be covered by your insurance company as long as your policy includes permissive use. Permissive use means that claims will be covered if you give someone (who doesn't drive the vehicle regularly or lives with you) permission to drive the vehicle. Keep in mind, when a claim is …
Feb 18, 2019 Staley, NC

Why is car insurance so expensive in Kentucky?

Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance. KY has a law that requires you to carry Personal Injury Protection. This covers medical costs regardless of fault in an accident. You may hear people call it "no-fault" Insura…
Apr 9, 2018 Summersville, KY

Where do I insure a car if I have two addresses?

Thanks for reaching out to The Zebra!I understand that you want to keep the car's warranties, but it's also important to keep the vehicle insured correctly (and insurance is mandatory in 49 out of 50 states). The short answer to your question is that you should insure the car at the addre…
Jun 26, 2018 Denver, CO

Can my insurance company add someone to my policy if they share my address?

This is an excellent question. Insurance carriers reserve the right to add anyone that they pull that has used your daughter's address for a mailing address, especially if that person shares a last name and it's where the insured vehicle is garaged for most of the time.They are typically …
Dec 12, 2022 New Tazeville, TN