Should I go through insurance for a fender Bender?


Editorial team Published on

You should go through insurance if the repair costs are much higher than your deductible, if anyone is hurt, or if fault is disputed, but you can pay out of pocket for very minor scratches where costs are low.

When to Go Through Insurance

  • High Repair Costs: File a claim if the repair estimate is significantly higher than your deductible.
  • Injuries: Always report the accident if anyone feels pain or is hurt, as medical costs can linger and exceed expectations.
  • Other Driver at Fault: If the other driver caused the crash, filing a claim with Progressive or their insurer protects you and usually prevents your own rates from rising.
  • Disputed Fault or Uncooperative Driver: If the other driver refuses to cooperate or changes their story later, an official insurance record protects you.

When to Pay Out of Pocket

  • Cost is Less Than or Near Your Deductible: If repairs cost less than your collision deductible, insurance will not pay anything anyway.
  • Slightly Higher Repair Cost: If the damage is only a few hundred dollars over your deductible, paying out of pocket might save you money. Filing an at-fault claim can raise your insurance premium by 40% to 50% for three to five years.
  • No Injuries or Other Cars Involved: If you bumped your own garage or a mailbox with no other parties involved.