Every time you get in your car there is always a chance you will have a mishap or an accident. With the amount of drivers on the roads sooner or later it’s bound to happen. Luckily, most accidents are minor and that includes paint scuffs, dents, and damaged fenders.
Often times, it is much easier to just take your car to an auto body and Collision shop, auto body and paint shop or an auto body and glass repair shop, which ever auto body shop is most appropriate for the type of damage you need repaired.
Whether or not you file an insurance claim to have the damages repaired is entirely up to you. There are certainly some pros and cons that need to be weighted before you make a decision as a claimant to take your car to the auto body repair shop to have an accident repair done.
Pros of Filing an Insurance Repair Claim
The upside of informing your insurance company when you have a minor accident is that if the driver of the other car involved in the accident decides to sue your insurance company will be aware of the accident and the possibility of a “pay day” lawsuit by faking an injury. The insurance company will also tell you want to do and how to go about doing it, so you win the case.
Often times, they can also recommend an
auto body and collision shop that is experienced working with claimants and insurance repair work.
By calling your insurance company, if involved in a minor accident will also prevent you from having to pay anything bigger than your deductible for any damage done to the other car. For example if you bump into a Porsche or a Mercedes you better believe the driver is going to want even the tiniest of dents or paint scruffs repaired and unfortunately, even the smallest amount of damage is going to be extremely expensive even if they bring their car to an everyday car crash repair shop that also provides car accident repair work on Ford’s, Subaru’s, and any other type of “regular” car you may see on the road. In cases like this, it’s better if you just pay for the accident repair work.
Cons of Filing an Insurance Repair Claim
The obvious con of filing an insurance repair claim is that there is a good to excellent chance your car insurance premiums are going to go up, it may be immediately or it may be when you renew your policy.
If you report the minor accident to your insurance company and they have to pay out a claim, you’ll lose any safe driving or discounts that you may have. The increase in your insurance premium and the loss discounts over the year may end up costing more than paying for the other car’s accident repair work.
Suburban Auto Body has been providing
auto body and collision repair for claimants and insurance repair and working with insurance agents in Saint Paul, MN and the surrounding areas for over 40 years.