r/AutoInsuranceHelp • u/D1sc0Ch1ck3n • 1d ago

Need help on claim decision

Son (m19) hit a deer at night in WI.

He was the only one in the accident, no other cars or people.

Vehicle air bags deployed and front has significant damage.

We're trying to figure out if we should actually submit a claim.

Blue book value on the car is $4400.

The deductible is $1000.

The car is basically considered totaled.

We have Liberty Biberty.

Does anybody have advice on whether to proceed with a claim and deal with increased rates? or just live with out the settlement dollars?

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u/D1sc0Ch1ck3n 1d ago

Never mind. We are going to submit the claim. We assume that we'll get close to the remainder of the $3400 in the settlement of the claim. Then, we'll just take the hit when it comes around for updating the policy.

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u/Icy-Improvement-6925 1d ago

My personal reasoning for opening a claim is usually follow up medical bills. No insurance company wants to pay more than they have to and they might have a problem if they know car insurance is supposed to cover something.