Will my insurance go up if I file a claim for denting my car door?
I parked close to a wooden fence and I opened my car door too fast. Now there's a dent where the door hit the fence. Will filing a claim for this damage impact my rates?
Answer provided by
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Unfortunately, your auto insurance rate will likely increase if you file a claim. This is because technically, you are the one who caused the damage.
Since the claim would impact your rate for three years, you may want to pay for the damage out of pocket instead. The dent in the door that you describe sounds minor and it may be relatively cheap to repair.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
What penalties will I face for prepaying a car loan?
I'm a freelance worker, so my income can vary wildly depending on how many projects I've got. If I earn a lot of money down the line and want to prepay on a car loan, what penalties will there be for me?
Apr 05, 2021
"Do I need to have the car’s VIN to get approved for a loan? "
"I have a friend who frequents car auctions and he said he can get me a good deal on a car. Is there a way that I can get financing before the auction without the VIN? "
May 05, 2021