Question
Should I file a claim for damage to my car caused by my husband?
My husband backed my vehicle into the back of his vehicle in our driveway. His vehicle was not damaged but the estimate to fix mine is $6,000. I have a $1,000 deductible and I hate for this to show on mine as a collision. Just what problems are caused by filing a claim and what different areas are affected by this information?
Answer
There are a few things involved here. First, whether you file a claim or not, most insurance companies require you to report every accident. Check with your company for specific on reporting accidents. Second, if you do file a claim it will be paid under the collision coverage since both cars involved are on the same policy. Your deductible will apply. If you have a $1000 deductible then your insurance company will cover $5000 of the damages if the total is $6000 in damage. If you file a claim, the accident will be listed as at-fault and will impact your rates for up to five years. Whether you file a claim or not is really up to you. Here is more information on when to consider not filing a claim. 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.