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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • The bumper is one of the most commonly affected parts of a car in a crash
  • Car accidents are part of your basic auto insurance coverage
  • How your bumper got damaged will be factored into the claims process

It’s important to look at how your car insurance provides coverage for what can happen when you’re on the road.

If you experience bumper damage, it is almost always going to be covered by the insurance company. Once you file a claim and identify how the bumper was damaged, you will learn whether you have sufficient coverage.

If you are concerned if whether or not you have sufficient coverage for your car and its bumper, compare at least three to four policies today to find better rates! Enter your ZIP code above!

What does a basic insurance policy cover?

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You are required to have auto insurance. The state you live in determines exactly how much coverage you need to have.

A basic auto insurance policy is what the state requires you to have, which will include such things as:

  • Bodily injury
  • Property damage
  • Medical payments or PIP

Not all states require you to have medical payments or personal injury protection, so this is something you have to check within your state (or with the help of an insurance agent).

The property damage is what’s covered if you get involved in an accident with another car. If a car rear-ends you, then you are most likely going to have bumper damage.

You can file a claim with your insurance company and then work towards getting your car repaired. The process varies by state and by the insurance company.

It’s a good idea to file a police report when the fender bender occurs. Even if it seems minor, it’s best to have law enforcement come out. Police officers will not only identify the accident, but they will also help you and the other party exchange information.

Exchanging information with the other driver will ensure that you have information for the person who caused the damages to your car.

If they are found at fault (and rear-end collisions are almost always the other person’s fault), then you might be able to get the repairs handled without paying the deductible. Doing so could save you $500 or more depending on the specifics of your policy.

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Are any additional types of coverage needed?

Someone rear-ending you is probably one of the most common reasons for bumper damage. However, you might want to consider additional coverage, so you are protected against other scenarios as well.

Collision auto insurance is a good form of coverage to have and will protect you against collisions with cars as well as objects. If you go into reverse and hit a pole, another vehicle, or even a building, you would be covered.

States don’t require you to have collision coverage, though lienholders often do.

You can determine how much coverage to have, and adding it to your policy might not be very expensive. You can get quotes from several companies to determine the total financial burden of having more coverage.

It’s often a small price to pay knowing that you have more coverage in place to protect against what might happen.

Are there instances where I should pay for the damages myself?

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You always have the opportunity to pay for repairs on your own. Much of it is going to depend on how much the repairs are.

Once you go through the claims process, the adjuster will tell you the total cost of repairs. You can then decide if you want to pay the deductible and let the insurance company pay for the remainder or you want to pay for the repairs out of your own pocket.

If the repairs cost less than the deductible, it makes sense to simply pay for the repairs on your own.

What the repairs are will depend on the make and model of your car as well as how extensively the bumper has been damaged. If you merely scratched the bumper, it might only require a little bit of touch up paint.

However, if you were hit with significant impact or back into something with a lot of force, it might require the whole bumper being replaced.

The best thing for you to do is go through the claims process and then determine what you are going to do. In many instances, insurance premiums will not go up because you filed a claim.

Whether insurance covers the repairs or not will depend upon how the accident happened as well as the coverage you have on your policy.

You want to make sure that your bumper is in good condition at all times.

One of the reasons you have car insurance is to be able to file claims and get repairs done quickly and affordably. Take the time to make sure you have enough coverage on your policy.

Start comparison shopping today and find the best auto insurance rates for you! Enter your ZIP code below!