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Paying for car repair costs after a car accident is never fun.If you've damaged your car, you may be surprised to know that the repair cost can range from $50 to $1,500.
Cars are safer and have better gas mileage.The newer manufacturing technology makes auto body repairs more expensive.
It doesn't make sense to file a claim if your insurance will cover your auto repair costs.At renewal time, a claim can increase your rates.
We took a look at five accident scenarios to give you a rough idea of how much it will cost to fix your car.We let you know if it makes sense to file a claim on your policy.
You pull out of your parking space at the gym when you realize that a patch of ice is what you thought was a puddle.Your car glides into a telephone pole because your brakes are useless.Your bumper is damaged.
Depending on the severity of the damage and the type of car, bumper repair costs can vary.The sensors that help collision avoidance systems are found in bumpers.They can also cost a lot of money.
The price to replace a bumper varies from a few hundred dollars for an average car to thousands of dollars on a high-end sports car.
A bumper on a Toyota Camry can cost up to $450.Depending on the vehicle, the bumper replacement cost can increase dramatically.
It is possible to repair the bumper yourself with a few everyday tools.You can see how to fix a bumper.
Not only accidents with other cars but also objects, such as a telephone pole or fence, pay for damage to your own car that's caused in a collision.
You don't have to have collision insurance in order to get your vehicle fixed.
There is a deductible associated with collision insurance.As part of the repairs, the deductible is what you pay.
$500 is a common deductible amount.If you had more than $1,000 in damage to your car, your insurance company would cut a check for $1,000 and you would have to pay the balance.
Property damage liability coverage is required by law and should pay for the repair of the telephone pole.
There is no right or wrong answer when it comes to this question.At renewal time, your premium will increase if you make a claim.
If you make a claim, your rates will go up.If you are not at fault, some insurance companies will give you a break and not raise your premiums.
How much will the rates increase?It is possible that your premium will go up from 10 to 40% for a first accident.If you have a second accident, your rates will go up 40 to 150%.
There is one final piece of advice to consider when making a collision claim.When you make a claim, you may lose any 'no claims' bonus or discount that you have.
If you can afford it, make a claim against your car insurance policy for major items and pay out of pocket for minor items.This allows you to carry a higher deductible, which saves money, and by only claiming for major items you should have far fewer claims which will keep your premiums down over the years.
You had a great day at the ball game and your team won.One of the other team's faithful didn't like the flags, bumper stickers and other fan-decor on your car.jeers about your team's hitting ability scratched into your paint emerge when you emerge.
Let's assume that one side of the vehicle is damaged.Depending on the vehicle, a single-stage enamel paint can cost between $300 and $1,000.
In this case, you're probably going to need some repair work and a more detailed paint job due to the massive scratches which will most likely push the price range up to $1,000 to $3,500.
If you're looking for a top of the line paint job or are driving a luxury vehicle, the cost of repainting a car can easily go up to $7,000.
If you have comprehensive coverage, you can file a claim for damage caused by vandals.
This type of damage is covered by comprehensive coverage.Comprehensive isn't required in any state.
Comprehensive coverage will pay for damage to your car caused by something other than a collision.There are a few things that are comprehensive.
Comprehensive coverage has a deductible.The higher your deductible, the lower your premium.
It's always a good idea to get a police report when it comes to comprehensive claims.It is required by many insurance companies.
If the claim amount is more than you can comfortably pay out of pocket, you should make a claim.If you're not at fault, a comprehensive claim shouldn't raise your premium.
"In general, comprehensive claims may raise your premium but they are less likely to raise them compared to a collision claim," advises Gusner, "Some states, such as New York, do not allow car insurance providers to surcharge drivers for comprehensiveclaims, however, if you have multiple comprehensive
You get stuck behind a logging truck as you go down the road.The big rig kicked a rock into your car's face as you got closer.
It should only cost a small deductible if you have comprehensive, and possibly nothing at all.If you're uninsured and don't have comprehensive coverage or a bargain basement policy, you could be paying for new glass.
Even without insurance, a small crack can be repaired cheaply.If you are cruising in a high-end sports car, windshield replacement can be expensive.
It will cost $110 to fix a small crack on a hypothetical 2016 Toyota Camry.The cost for an entire windshield replacement is $410.
A high-end sports car can cost a lot more to fix.According to an article on Jalopnik, the windshield replacement cost for a V8 Vantage was $4,414, which was mind-blowing.It pays to carry comprehensive and insurance covered the cost.
Comprehensive insurance covers Windshield replacement or repair.Most insurers will allow you to have your windshield replaced once a year for a small deductible, or in some cases, no deductible at all.
You can't charge a deductible if you live in Florida, Kentucky or South Carolina.Insurers in those states must replace your windshield for free.
Zero-deductible glass endorsements are required by the law in Arizona and Minnesota.This means that you won't have to pay a deductible if you have glass on your vehicle repaired or replaced.
Most insurance companies will waive the deductible if you choose to have a cracked repair.
A full glass rider is a policy feature that allows insurers to repair or replace glass with no deductible.The rider is fairly affordable.
There is no downside to making a claim for a replacement.Most of the time, your premium won't be affected at renewal time if you get a new windshield for free or a small deductible.
Depending on the damage, costs can be very high.The repair costs for the suspension system can quickly add up.A full suspension replacement can cost up to $5,000.
While there is no realistic way to give an exact cost for repairs, the director of the automotive group at RepairPal.com offers estimates on both our hypothetical Camry as well as a general price range.
This type of damage would be covered by your collision policy.It would not be covered if it causes damage to your tire.
There is a deductible for a collision.The damage may not be enough to make a claim worthwhile.
You can't afford to cover the cost of the damage out of pocket if it's significant.Even if you have a low deductible, it makes no sense to file a claim since most of the repairs fall under your deductible.
A collision claim will result in a premium increase.You can save your insurance and pay smaller repairs out of pocket.
If you can't afford the repairs or your entire suspension needs to be replaced, you may need to use your insurance.
You stop when a squirrel crosses the road.A car slams into you from behind.Your neck and shoulder are killing you because of the damage to your vehicle's rear end.
According to the National Transportation Safety Board, there are 1.7 million rear-end crashes in the US every year that kill 1,700 people and injury 500,000.It is possible that your neighbor is a man.Men are 1.2 times more likely to be involved in a rear-end collision than women according to a NHTSA study.
It's hard to put a price range on this kind of damage.If the frame of your car is bent, bumper replacement costs can range from a few hundred dollars to thousands of dollars.
If you're not at fault, your fellow driver's insurance should pay for the damage to your car as well as any injuries you suffer.
If your fellow driver only carries the required state minimums, you may have to pay for the repair of your car.Minimums vary by state but in California, for example, the requirement is a mere $5,000, which will most likely not get your car back on the road.
If your fellow driver is completely uninsured or carries low coverage levels, your own collision coverage will cover the cost to repair or replace your vehicle.
Uninsured/underinsured motorists property damage policy is the last chance to avoid a big out of pocket expense if you failed to add collision coverage to your policy.If the person who hit you is uninsured or doesn't have enough coverage to fix your car, this coverage kicks in.
According to Alllaw, the settlement for a mild to moderate case is between $2,500 and $10,000.For more serious cases that involve months of physical therapy and if there is soft tissue damage of the spine you could be looking at over $100,000.
It's important to have adequate car insurance because of auto body repairs.To make sure you have all the coverage you need, compare auto insurance quotes.
The other driver's insurance should pay for both the damage to your car and your body.If they're uninsured, you may have to switch to your own policy.
If you want your medical bills paid for and your car repaired, you will need to carry uninsured/underinsured bodily injury and property damage.If you decline these coverages and the person that hit you is uninsured, you could be on the hook for the damages or be sued by the other driver.
It's important to remember that if you have health insurance, it should cover the cost of your hospital bills.