Should I get Amica involved after I backed into a tree?

I was backing out of my driveway and hit a tree while attempting to avoid other parked cars. Apparently, I hit the tree hard enough that it damaged my frame, and now the doors on the driver's side won't open. I am an Amica customer, aged 61, and have a good driving record. Should I file a claim?

That really comes down to weighing the potential rate increase against the cost of paying for the repairs yourself. The good news is that Amica is known for excellent customer service, so if you do choose to file a claim, the process should be smooth and straightforward.

Let’s break down your options:

If you decide to file a claim, backing into a tree would be covered under collision coverage. If your policy doesn’t include collision (for example, if you only carry the state’s minimum liability coverage), you won’t be covered for this type of damage. Collision coverage applies to situations where you hit an object (like a tree), whereas comprehensive coverage applies if a tree falls onto your car.

Our research shows that at-fault accidents can increase your premium by anywhere from 26% to 50%, depending on the severity and cost of the damage.

Because that rate hike can affect your insurance for three to five years, it may not be worth it. A smart move is to get a few repair estimates first. If the out-of-pocket repair cost is less than your deductible plus the long-term cost of a rate increase, you’re likely better off paying for the repairs yourself. But if the repair costs are significantly higher, filing a claim could make more sense.

Still unsure? Try our handy claims calculator to get a personalized look at the numbers and make a confident, informed decision.