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Collision....when To Go Through Insurance

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Old 05-13-2017, 01:54 PM   #1
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Collision....when To Go Through Insurance

My 20 something niece (Denver, CO) just put a nice ding into the driver side door of someone's Chevy Volt. It looks like a parking lot "thing".

While I'm in the process of getting a quick dealer body shop quote, I'm wondering what you guys would advise. Cover through insurance or deal with it privately? What's your cut-off number for fender benders, etc?

For past occurrences with other folks (eg. au pairs), we've paid out of pocket a few times. $1000 here, $1000 there, etc.
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Old 05-13-2017, 02:17 PM   #2
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Re: Collision....when To Go Through Insurance

If it's a door ding, try calling one of those paintless body repair companies. They will go right to their house.


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Old 05-13-2017, 04:12 PM   #3
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Re: Collision....when To Go Through Insurance

I generally try and get a feel for the person first.

If they seem like they are going to complain and insist it is going to cost a fortune and on and on then I go through insurance.

If they are cool I cut it off around 500 Because at 500 I could get their car and my car fixed

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Old 05-14-2017, 10:50 AM   #4
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Re: Collision....when To Go Through Insurance

I agree that the dent guys can do a remarkable job pulling dents out on these thin sheet metaled vehicles of today.

As to dollar amounts I usually say anything less than a $1,000 just isn't worth going to insurance. Using insurance can cost more than not using insurance long term, plus your insurance can be cancelled. My insurance agent recommends no bundling home/auto/boat etc so all policies can't be cancelled at once.
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Old 05-14-2017, 02:10 PM   #5
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Re: Collision....when To Go Through Insurance

The reason the $1000 makes sense, is most people have a $500 deductible anyway that they have to pay no matter what. unless you have accident forgiveness, so another $500 offsets the points and increased premiums for the next three years... after that, it's a losing financial battle...

Keep in mind the quote you get personally for a repair may be less than what they will charge the insurance... partly because they can, and partly the insurance company usually wants more done to CYA...

Since the insurance company does this and usually writes the check to the affected person, it's not uncommon for them to take the check and do just what they need to do and keep the rest...

Last edited by KAP; 05-14-2017 at 02:35 PM.
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