The car has $1,700 in damage. My rates are already higher from an accident I had recently and I’m afraid this will also cause my premium to rise. Will my insurance go up if I go through my insurance to fix the damage to my car?
This type of claim would be considered a collision claim, which usually causes your premium to rise. In New Jersey, at-fault collision claims caused premiums to rise by an average of $1200. Consider that most companies will rate or charge you for accidents for multiple years. So, that $1200 would eventually surpass the original $1700 in initial damages. Because of this, I recommend trying to pay for the damages yourself rather than involving your insurance company.