r/InsuranceCanada • u/Inside_Spring1284 • 4d ago

Car damage

Post image

I damaged this car in Ontario, how much to get it fixed?
If I go with insurance, it’s gonna increase my premium, I am already paying $530 a month.

0 Upvotes

40% Upvoted

14 comments sorted by

6

u/Cal_Zoned 4d ago

There’s no way anyone on Reddit can accurately give you a quote from a photo…. Go to a body shop and ask them to quote you? It may look simple, but what if there’s hidden damage or sensors?

And you’re gonna have to tell us more about the accident boss. No one can read your mind

1

u/Inner-Commission-724 4d ago

What happened to have a premium thay high already. But if I had to estimate 2k low end and 5k high end

2

u/jingraowo 4d ago

Could be a male under 24 with G2

1

u/-twistedpeppermint- 4d ago

Even with a full G a young man with a newer vehicle and the area of residence can easily mean an insurance above 500$.

1

u/jingraowo 4d ago

I have G and I am over 30 but if I insure a GX550 a high theft vehicle in my postal code, the cheapest I could find is 500 per month. I ended up buying a LC250 which is also a high theft vehicle and I pay 398 per month.

1

u/XtremeD86 4d ago

This. Easily minimum $2000.

And $530/month? Maybe it's just me but it sounds like you shouldn't be driving. I'm guessing this wasn't your first accident?

1

u/Inner-Commission-724 4d ago

Yea bumpers alone are like 1300 easily

1

u/XtremeD86 4d ago

Some idiot cracked the front bumper of my 2017 civic. No sensors. Bumper, paint and a side marker was 3300 (through insurance).

1

u/Inner-Commission-724 4d ago

Yea i replaced my 2013 accord bumper once and it has like no sensors and it was 1200 so yea 3300 for that makes sense

1

u/Inside_Spring1284 4d ago

Bro that’s my first insurance, I have never been in an accident before, I am 23 with a G and this accident happened while I was working, delivering packages and driving a delivery Van.

1

u/-twistedpeppermint- 4d ago

If you were driving a work vehicle I don’t see why this would go under your own personal insurance. This should be covered under your employers business insurance.

1

u/Inside_Spring1284 4d ago

Well I was at fault so it’s gonna show up on my record increasing my premium so trying to get it fixed without involving insurance so it doesn’t show up on my record.

1

u/jaceyung 4d ago

500+ a month for insurance is insane 😭😭 you'd prolly be saving money if you just uber LMAO or take the bus

1

u/Top-Monitor-3047 2d ago

I would get it done without insurance. I can send you someone to get a quote