Should I file a weather-related car claim?

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.

Jan 30, 2018 Oakland, California

Ava Lynch

Jan 30, 2018

Filing a claim like this, (collision, at-fault) will raise your rates. On average, in California, an at-fault accident can raise your rates 39%. Depending on your premium, it might make more financial sense to pay for the damages out of pocket but the decision is up to you. Best of luck.

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