I was driving behind an SUV and didn't have time to swerve out of the way of a tire on the road. I tried to run over the tire in the middle of my car, but it was blown up and stretching across the whole lane. My right side tires hit a piece of it and part of the tire smashed my grill breaking some of the bumper and the fog light. It also did some damage under the carriage too. I now have a damaged bumper, grill fog light and probably tires that need to be re-balanced and aligned. I've never had a claim on my car before and my deductible is low. Should I claim comprehensive on this incident or will it raise my rates too much pending on how much it is?
-Crashed in Colombus
This accident would actually be paid out under your collision coverage because you collided with the tire. Because you only damaged your own vehicle in this single-vehicle collision, it would also be considered an at-fault collision claim. As you mentioned, what you should think about is the rate increase you will probably receive after filing a claim. On average, an at-fault accident raised premiums 43% in Ohio in 2021. Because of this, I recommend the following:
- Get an estimate for the repairs prior to filing a claim.
- On average, an at-fault collision claim raised rates in Ohio $432 per year. You should think about that rate increase over three years as that's how long you will typically be charged. (For readers not in Ohio, check out how violations and accidents affect insurance premiums where you live in our 2022 State of Insurance report.)
- Compare the $432 (or $1,296 over three years) plus your deductible to the out-of-pocket expenses. If it's cheaper to file a claim, file a claim.
If you do find it is cheaper to file a claim, take a peek at our guide on how to file and what you can expect. Keep in mind, most insurance companies require you to report any incident involving your vehicle, even if you decide to not file a claim. It sounds like there is quite a bit of damage, so I'd get estimates for the damages, that way you will have all of the information you need to make an informed decision. Good luck!