Should I pay out of pocket for damage I caused?

Pay out of pocket for repair to another car or turn in to insurance company? 20 yr old female tapped a Lexus RX and put a scratch into bumper. I received a statement for repair of $566.00. Do I do insurance claim or pay out of pocket? First time with any claim. No tickets. police did not come to the scene.

May 6, 2018 Mount Pleasant, MI

Ava Lynch

May 6, 2018

I would not file claim. Even if you have a $500 deductible, which is common, you would receive $66 in payout. For your state, Michigan, an at-fault accident would (which this would be considered as) raise your rates an average of 47.05%. If, however, another person caused these damages, you could file a claim under their insurance company. This would not affect your insurance premium. However, this is the only case where I would file a claim. Otherwise, I pay for the damage out of pocket yourself.

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