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Well I got into and accident last week and my car is sitting in front of my house. I am not sure if I should claim it or not. I was the only one involved in the accident. I got cut off by a truck and I swerved. I dont want my insurance rates to go up so is there any way that I can claim it so they wont hold me at fault? The police didnt write a report because no one else was involved and I couldnt get the trucks license plate. N e advice??? Thanks..

 
Rep Power: 282

If you make a claim they will most likely raise your rate, but depends on a lot of things like your age, location, driving history, etc. How much damage is there and is it still driveable?

 
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Theres isnt too much damage. Its just going to take some money to fix. Like one of my coilovers have a bent arm where it connects to the steering tie rod. I also need to replace the tie rod also cause the endlink of it broke off and half of the screw is still inside the tie rod. I also need one new rim. And thats about it. If i want to spend more money then I should get my bumper repainted but I dont think I am going to do that.

 
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depends how bad your damage is. personally, i would not claim anythign of insurence unless it was more then $1500. if its around that then just use a credit card to pay for the repair or else you'll be paying high insurence for a while.

atleast with a credit card you'll pay it off quick but with insruence you'll be paying it off for a while.

just my opinion.

 
Rep Power: 282

Yeah it also depends on what your limits are and how much damage you're willing to live with. A new steelie and endlink are cheap. Possibly a new coilover and the body repair though might make this decision a little tougher. If you're that strapped for cash don't use insurance and live with some body damage.