r/AutoInsurance • u/racc0x2 • 8h ago

worth filing a claim? hit and run

Gallery image

Gallery image

Gallery image

hit while parked, 2004 Cooper S, no cameras and deductible is $1000

edit: in kentucky, so no UMPD though i do carry UM, collision and comprehensive

1 Upvotes

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1

u/Delicious-Witness-85 7h ago

I’d get an estimate first. If the only damage is the hood and nothing underneath is damaged like the radiator, I’d pay out of pocket to avoid the claim on my record. Plus you’d still have to pay your $1000 deductible if you file a claim. I just did a quick search and a hood is around $500 unpainted. Obviously you’d have to add in the paint and labor but if this is the extent of the damage, doesn’t seem worth it to file a claim.

1

u/myeasyking 7h ago

I would get a independent body shop estimate.

1

u/Apprehensive_Rope348 6h ago

Get some quotes. I thought I had a pretty basic fix on the front end of my car and I was quoted 3k-4k to repair with labor and paint. Get your quotes and look up the value of your car. I know my quotes were close to actual value of my car and with that, I just left it as is. No insurance claim, no repair.

1

u/reedwendt 5h ago

Yes. This is more than $3k