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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?

Sep 19, 2018 Terry, MS

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…

There are a few things to consider. 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.  Check out our guide on claims to learn more about what to expect from the filing process and when to consider not to file a claim.  Good luck and if you have any other questions, don't hesitate to ask.

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