Ask An Agent


Get free insurance advice on demand



Should I pay myself or file through insurance?

I hit a curb and it caused a flat tire, dent on my front bumper, and some internal issues. When I brought my vehicle to the mechanic, they said the total fix would be $560. My deductible is $500. I replaced a tire myself and the mechanic’s initial diagnosis cost $200 so I see that the full repairs would be $760. Is it worth it to file a claim through my insurance or just pay out of pocket? I know this will impact my rate but I don’t know how much.

Agent Answer

Ava Lynch

In my opinion, you would not benefit from filing a claim since the repair costs are so close to your deductible. Our State of Auto Insurance (page 58) report shows that an at-fault accident in California has an average impact of $899 per year in additional premium. You would also be paying that additional amount for at least 3 years. My recommendation would be to pay for the repairs yourself and avoid a potentially major increase in your rate.

Was this helpful?

0 0
  • Didn't Find What You Were Looking For?

    Ask us another question and an insurance expert will get back to you with an answer.

Looking to save money on your car insurance?

Learn More