Should I turn my keyed car into insurance or pay out of pocket?
Monday, August 24th, 2009 at
8:57 am
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kb asked:
My brand new car got keyed; about 12″ on the passenger side door and over the hood a little. There were other scratches that I could buff out, but these are deeper that I can’t buff out. My question is, would it be smarter to call my insurance on this or would it be better and cheaper to go get it quoted out and fixed myselft? I have comprehensive insurance, so would that cover the costs?
My brand new car got keyed; about 12″ on the passenger side door and over the hood a little. There were other scratches that I could buff out, but these are deeper that I can’t buff out. My question is, would it be smarter to call my insurance on this or would it be better and cheaper to go get it quoted out and fixed myselft? I have comprehensive insurance, so would that cover the costs?
Thanks!
p.s . whats even worse, i ‘m trying to transfer over my lease, so i HAVE to get it fixed so the potential new lessee will want it.
Ashley
Tagged with: Brand New Car • Comprehensive Insurance • Lessee
Filed under: Other - Cars & Transportation
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Sean
Get an estimate and determine if it is less than your deductible. If it is worth it to you, pay it yourself. You have to judge on the risk you are willing to take yourself. Comprehensive does cover vandalism
Edna
Pay out of pocket!
If you go the the insurance company your payments will go up because you claimed!
If its to dear to fix yourself them you might want to go to your insurance but think of home much the price will go up!
xx
Erik
It all depends on what your deductible is. If you have a $500.00 deductible it would probably be better to just have it fixed and not file a claim. On the other hand if your deductible is zero to $250.00 It would probably be worth it to file a claim. I can’t see the damage but to paint the hood and door after repairing them is probably going to be around three to five hundred dollars unless you have a Maaco around your area then it might be a little cheaper.
Calvin
Probably you should pay out of pocket, cause it would be cheaper.
You can easily compare how your quotes will change in internet, for example here: