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Looking for insights on how to handle a fender bender.  If you had a teenage driver that got into a mild fender bender, would you pay the $3000 cash out of pocket to repair the other persons car or would you submit to insurance and pay the deductible?  Which way makes more sense?

 

 

I'd probably just pay for the repair out of pocket.  What's the deductible, probably $1K?  Policy premium increase would likely chew up that $2K in fairly short order.  @C-Man

6 hours ago, Nonbryan said:

Looking for insights on how to handle a fender bender.  If you had a teenage driver that got into a mild fender bender, would you pay the $3000 cash out of pocket to repair the other persons car or would you submit to insurance and pay the deductible?  Which way makes more sense?

 

 

If you can stroke the check, stroke the check. You'd likely pay more over the next 3-5 years in increased premiums, not to mention when Junior has another accident you'll run the risk of further complications such as even higher rates or general uninsurability. Used to be $3K was about where you hit the line of demarcation of where you'd likely pay that much in increased premiums, lost claim-free credits, etc. In today's market, it probably skews higher so if you can take the hit, I'd pay out of pocket and live to fight another day.

Just as a reminder there is no deductible when it comes to liability. Is your car damaged? If you're going through insurance, the deductible will apply to the damage to your daughter's car only.

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Yes, damaged front fender on our car.  Young drivers will do young driver stuff I guess.   Scratching the check hurts, but we are going to end up paying one way or another, right?

 

Thank you for the advice C-man!  It is very helpful.

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