My car bumper was damaged by a gate that had a bolt that stuck out from a hinge in the lower part of a metal gate that was not visible due to very heavy rain at the time the accident happened. Also, at that time only one pane of the gate was open by the custodian (in my school campus). So, much space to drive the car through. It will cost over $1200 to replace the bumper, and my deductible is $500. It happened last week. I haven’t claimed yet. My insurance policy personnel told me that it would most likely cost 1 point and the rate will go up for 3 years (from $200 to $350),but she said don’t quote her for it.