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Question

Should I file a claim if my son damaged our cars in the driveway?

My husband and I have a policy with our son listed as a driver. My husband filed a claim last year for backing into someone, and our rate is already $500 per month so I’m worried about filing this claim for two vehicles. What should we do?

Agent Answer

Neil Richardson

Considering that you have a young driver on your policy and your rates are already inflated due to a recent claim, I would recommend getting a repair estimate first to see if you can afford to pay for the damage out of pocket. At fault accidents in Texas have an average impact of about $850 extra per year for 3 years from the date of the incident, and you may have to pay a deductible for each vehicle. If the repair estimates are less than $3,000, assuming you have a $500 deductible, then it would make the most sense to pay for the damage out of your own pocket.

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