Yes, you should file an insurance claim for bumper damage if the cost of repairs is significantly higher than your deductible or another driver was at fault. If the bumper damage is minor and you were responsible, you can pay for repairs out of pocket without filing a claim.
Filing a claim with your insurance company may cause your premium to increase in the future. One claim will cause a premium increase of 12% to 45%, on average, depending on the type of claim, dollar amount and insurance company.
So if you hit a curb and caused minor bumper damage, it might not be worth filing a claim if the cost of repairs is only slightly more than your deductible. Additionally, you won’t be able to file a claim at all if the cost of repairs is less than your deductible.
Types of Insurance That Cover Bumper Damage
You can use collision insurance to pay for bumper damage if it's the result of an accident you caused, or comprehensive coverage if the damage was caused by something out of your control.
If another driver was at fault in a crash that resulted in bumper damage, it’s best to file a claim with their property damage liability coverage, which won’t require you to pay a deductible.
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