UPDATED: Mar 13, 2020
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The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.
My rear bumper got smashed. How much does insurance usually cover when getting something like this fixed?
The car is an 08 BMW 325i (white).
just looking for approximate answers here…
Each car insurance policy has different coverage limits. Depending on your specific car insurance policy, your rear bumper could be fully covered. Or, you might be required to pay for repairs out of pocket. If someone else hit your vehicle, then your rear bumper repairs may also be fully covered under the other driver’s car insurance company:
- All cars in the United States are required to have liability coverage, which covers the medical expenses, car repairs, and property damage of other people and vehicles in an accident where you are at-fault
- You may have additional collision and comprehensive coverage on your insurance policy, in which case car repairs are fully covered (assuming the damage took place in a covered event); collision and comprehensive coverage are optional in all states but generally recommended when driving a new vehicle
- If someone hit your rear bumper, then the other driver’s insurance company may be responsible for repairing all damage to the vehicle
- If your rear bumper was damaged in a hit and run, then you will need to contact your own insurance company; you may have uninsured or underinsured motorist coverage to cover the damage, or you may be required to use your own car insurance to pay for repairs
- The amount of coverage depends on your policy; generally, bumper repairs are cheap and the cost of fully repairing your bumper should be completely covered under your policy
- In some cases, damage to your rear bumper can be repaired for less than your deductible; in this case, it may be in your best interest to pay for repairs out of pocket
Ultimately, car insurance will cover the cost of repairing your rear bumper in most cases, assuming you have collision and comprehensive coverage. If you damaged your rear bumper yourself (say, by reversing into a pole in a parking lot), then you can pay your deductible and get your collision or comprehensive coverage to cover the cost of repairs.
Alternatively, if your bumper was damaged by another driver in a rear-end collision, then the at-fault driver’s car insurance company is required to cover the cost of repairing that damage. If the at-fault driver fled the scene, then you will need to make a claim under your own car insurance policy (say, under your uninsured or underinsured motorist coverage).
Contact your Insurance Company to Verify Coverage
If your rear bumper has been damaged, then we recommend contacting your insurance company to determine if the damage is covered. Or, read through your car insurance documentation to verify you have collision or comprehensive coverage.
Your insurance company will advise you on the next steps. The insurer may ask you to take your car to a body shop for an estimate, for example.
In some cases, the estimated cost of repairs will be less than your deductible. It may cost $400 to repair your bumper when your deductible is $500. In this case, it’s best to pay for repairs out of pocket. You can maintain your claims-free driving history while avoiding the hassle of insurance.
Am I Covered?
Whether or not you are covered depends on your unique situation. Some car insurance policies provide complete coverage in all situations. Other car insurance policies – like barebones insurance policies – only meet the legal insurance limits for your state, in which case damage to your own vehicle may not be covered.
Generally, a full coverage policy will cover the cost of repairing damage to your rear bumper regardless of the circumstances. You could have been driving drunk, for example, and your car insurance will still cover the cost of repairing the damage. Comprehensive coverage – which is part of a full coverage auto insurance policy – covers additional damage like hail damage, fallen tree branch damage, and storm damage, among other things.
Contact your insurance company or read your insurance documents to verify that damage to your car’s rear bumper will be covered by car insurance. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
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It all depends on your policy, what company you use, how much your deducticble, etc. etc.
The insurance company will pay the difference between your deductible and the cost of repairs. What is your deductible?
Often times, however, if you make a claim on your insurance to get some money, your insurance rates will increase. If it’s only like $200 damage, it might be worth it to just bite the bullet and get it repaired yourself (without going through the insurance company)
Hope this helps!
Actually different companies has their different quotes. It all depends on your policy and the level of damage. If it can be fix up easily aActually different companies has their different quotes. It all depends on your policy and the level of damage. If it can be fix up easily and on a reasonable payment, better to fix Yourself rather than going for a claim. Hope this helps.nd on a reasonable payment, better to fix Yourself rather than going for a claim. Hope this helps.
The first thing that you need to consider in acquirng for a car insurance is to know its price quotes there you can have the idea about the cost, technical features, terms and conditions and even the insurance covered of your car insurance plan. Different car insurance companies have different insurance coverages so better have a automoble price quotes first to know your car insurance coverage. So if the damage is not really a big burden somehow fixing it by yourself can be helpful and when there’s a big big trouble you can use your insurance claim.
that depends on the specifics of the policy/quote as well as the year, make and model of the vehicle and your driving record. in order to get the clear differences you should contact your insurance company. or if you’re just starting out looking for insurance, make sure you get a accurate quote from a credible insurance company that is based off accurate details of your current vehicle