“Your insurance company may
cover the damages if you have collision insurance
. You need to be able to connect the damage to a specific time and incident.
If the damage happened multiple times, you need to connect each incident to a separate claim. For each claim, you have to pay your deductible.
Depending on the cost of repairs and the deductible you carry, it may be less expensive to pay out of pocket.
If you don’t have collision insurance, you will need to pay for the damage out of pocket.
You can speak with your insurance company directly to find out what would be covered. Since you already have an estimate from a mechanic, you may be able to submit that to them. From there, you can see what they’ll cover.”