Unfortunately, both “accidents” are at my fault.
Fortunately, I didn’t hurt anyone or damage anything.
I have bought this collision policy from my dealership at my car purchase. If I file an insurance claim and bring my car to their shop, I don’t pay for my deductible because they got my business.
I took advantage of that and filed a claim 6 months ago to fix something that got damaged due to my fault (I wish I haven’t done this)
I noticed that my insurance rate went up but I saved more by not paying anything than the increase in insurance
Now, I really need to fix it because the damage is bad but I am worried if my insurance will go up really high, since it would be my second claim only 6 months after the first claim (and both at my fault)
If I file a claim and my insurance goes up really high, how long does it take to go down again? if I assume that I will have no more “at fault” accidents…
My deductible is $1500 and I’m assuming it would cost about 3 grand to fix my car.
Which option would be better?
A. Pay out of pocket (assuming it costs <3 grand)
B. File a claim and pay nothing by using the dealership policy, but pay increased insurance for a long term…
(factor: I filed a claim 6 months ago already, and both damages are at my fault)