Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • When your car is dented, your first idea may be to get your car repaired through your insurance
  • If another driver dents your car, then it may be advantageous to file a claim with their insurance provider
  • However, if your car is dented in some other way, there are things to consider before filing a claim
  • If the deductible on your car insurance policy is more than the damage to your car, your provider may not cover any of the loss
  • Also, a history of insurance claims may raise your premium rate or cause your provider to drop your coverage

When your car is damaged, one of the first things that come to mind is getting the damage repaired.

Dents can seem like a small problem, but there can be other costs associated with repairs that you may not expect. While you may be able to file a claim on your insurance to get the dent repaired, there are a few things to consider before going through with it.

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How extensive is the damage to your car?

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One thing to consider before filing a claim is the extent of the damage to your vehicle.

Filing an insurance claim for a small ding may end up taking more time and money to repair than you are willing to work through. When you file a claim with your insurance provider, they will often have a series of steps you need to work through to get your vehicle repaired.

In the situation where your car is dented, you may be required to get an estimate on the repairs before initiating them. During this process, you may need to get multiple opinions so you can find out an average to get the damages repaired.

You may discover that the damage is not as bad as you expected, which lowers costs and the potential that the claim may not be covered.

Before filing a claim, you may want to consider getting an estimate done. This may allow you to make a better decision regarding filing the claim. If the estimate is low, you may find it more reasonable to repair the damage yourself.

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What policy terms and deductible amount do you carry?

Another major factor that you should review before filing a claim is your policy terms and the deductible you carry on your policy. Depending on the coverage options you have selected, your insurance policy may not provide coverage.

For instance, if the dent was caused by a tree branch and you opted out of comprehensive coverage, your insurance provider may be unwilling to cover the loss.

If you carry comprehensive and collision coverage on your policy, you may be covered for dents caused by most situations. However, your insurance deductible is something to consider when filing your claim.

The deductible is the amount your insurer may require you to pay before they step in and cover the remainder of your claim.

For example, if your vehicle is dented and the repairs will cost $1000, your deductible will normally figure in first.

If you carry a $500 deductible on your policy, then your insurance provider may require you to pay that $500 deductible before they step in to provide coverage for the remainder of the loss.

Is filing a claim worth the potential cost increase?

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When you file a claim with your insurance provider, they are there to help you recover from losses above and beyond the norm.

However, if there is a large amount of claims in a short time or an extensive claim history, your insurance provider may not find it financially feasible to continue your policy under its current terms.

One potential change could be an increase in your premium. If you file a claim with your provider, they may have set specifications in place for how they handle claims where you are deemed to be the party responsible.

If your premium is increased due to a claim, this may remain on your policy for up to three years after the fact.

If your history of claims continues to grow, or if your claim history and your driving record both end up being unsatisfactory, your provider may decide not to renew your policy. If this occurs, you may face higher costs when trying to acquire insurance in the future.

Conclusion

Filing a claim on your insurance to repair a dent may seem like the best way to go about repairing the damage. However, it’s important that you take a few things into consideration before filing your claim.

  1. The amount of damage to your vehicle is often a determining factor when it comes time to file a claim. If you carry a deductible, then the damage should cost more than the deductible, otherwise, your insurance provider may not cover any of the loss.
  2. Remember that filing a claim may cause your premium rate to increase or your coverage to be dropped. It’s important to speak to your provider about how any claim may affect your policy.
  3. If your car has been dented or damaged, but you are unsure of how to proceed, your insurance provider may be able to help. They can often discuss your options, how filing a claim and the claim process works, and what you can expect afterward.

Make sure you have the coverage you need. Compare top auto insurance companies today to see how much you could save on insurance.