(Closed) NWR: I got into a fender bender – how much is my insurance going to go up?

posted 6 years ago in Legal
Post # 3
3265 posts
Sugar bee
  • Wedding: February 2014

Was it such a bad fender bender that it was reported? Or did you two just sort of go on your way? If no claim was made, no harm no foul.

Post # 4
963 posts
Busy bee
  • Wedding: August 2011

It depends on a lot of factors like your age, gender, and previous driving record. If possible, try to work it out with the owner of the other car so you won’t have to file a claim (ie if you are at fault you can offer to pay for their repairs).

Post # 5
1425 posts
Bumble bee
  • Wedding: August 2013 - Rosehill Community Center

I think a lot depends on how long you’ve been with the insurance company.  A couple years ago I was still on my parents’ policy, and got in a pretty bad “fender bender” (more like “entire hood cruncher”) that was entirely my fault (I thought my car was totaled!  But they were kind enough to not total it somehow…).  No police showed up, though.  But since my parents had been with that company for so long with a good record I think it didn’t go up at ALL (or maybe just a tiny bit).  So I think they take your previous record and longevity with the company into account as well.

Post # 6
14486 posts
Honey Beekeeper
  • Wedding: June 2011

The difference in insurance between perfect driving record and one with incident was about $220 for my car.

Post # 7
7992 posts
Bumble Beekeeper
  • Wedding: July 2013 - UK

Well, I was parked up at a traffic lights one day, waiting for the light to turn green. I was hit from behind by a speeding vehicle, driven by a woman with no insurance. My insurance company tried to sue her, as she was obviously at fault (had to get her details from the police, as she gave me false details at the scene). However, she had no money. So that was that. No claim for me… I had to pay under UK law. This was before the government set up an uninsured drivers’ compensation bureau as well, for people hit by uninsured drivers.

Paid out my excess: £250

Lost my no claims: probably about £500 over five years, seeing as it is cumulative.

Insurance went up: probably about £300 over five years, because it’s culmulative again.

TOTAL: About £1,050 (over 1,500 USD) over five years. For an accident which was in no way my fault.

In my experience, it really isn’t worth claiming or telling your insurance at all for claims worth less than £1,000, but it may be different in the USA. I had no choice though… she did almost £2,000 worth of damage to my car! If you have the choice then always, always pay out yourself rather than going through your insurance company (unless the car is a COMPLETE wreck, that is).

Post # 8
11752 posts
Sugar Beekeeper
  • Wedding: November 1999

if you don’t need to, don’t file the claim. Just pay for the repairs yourself.

Post # 9
429 posts
Helper bee
  • Wedding: October 2013

I was in a fender bender…in severe rain, I was coming up to a stoplight. I had slowed somewhat, already but there was standing water on the road that I couldn’t see and I hydro planed about 75 feet into the next car. 

For my insurance, I saw about a 13% increase in the monthly charge until I took defensive driving and they dropped it back down again. 

The topic ‘NWR: I got into a fender bender – how much is my insurance going to go up?’ is closed to new replies.

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