Question

If I file a claim for denting my car door on a beam, will my insurance rate increase?

I was parked in my driveway and opened my door into a beam that was sticking out of a pile of equipment. Will filing a claim cause my rate to go up, or should I pay for the repair out of pocket?

May 14, 2017 Missouri City, TX

Answer
Neil Richardson

May 14, 2017

Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report. Considering that the incident will impact your rates for three years, it might be best to pay for the damage out of pocket. If you can avoid a claim then I would recommend it.

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