My car got scraped

Amazon Dr. Savage
Jan 19 16 Comments

I wake up thinking I’d go for a nice drive and turns out my bumper got scraped all over one side last night. Plastic bumper cracked and looks terrible but structurally intact.

This’ll probably cost me $1000 to fix.

I do have comprehensive coverage and a $500 deductible, but is it worth the premiums I’d have to pay in the long run?

What the Blind think?

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TOP 16 Comments
  • Dropbox drl/food
    A comp claim shouldn't increase your rate.
    Jan 192
    • Amazon Dr. Savage
      OP
      I hope so?
      Jan 20
    • AMD
      I/O

      AMD

      PRE
      Intel
      I/Omore
      This isn’t a comp claim
      Jan 20
  • Uber / EngGloblBuilt
    Get a dashcam with parking mode, if your apartment has kids like this.
    Jan 192
    • Amazon Dr. Savage
      OP
      Good tip
      Jan 19
    • eBay / IT
      manorama

      eBayIT

      BIO
      Coder
      manoramamore
      Any recommended models of dashcam which has been tested good enough , you would recommend ?
      Jan 23
  • AMD
    I/O

    AMD

    PRE
    Intel
    I/Omore
    How did you get the scrape? what happened is important because it determines if you use your compressive or collision coverage. If the accident falls under comprehensive coverage, your rates won’t go up. If you use your collision coverage and it is determined that you are at fault, your rates will likely increase.
    Jan 195
    • Amazon Dr. Savage
      OP
      My car was parked and I guess the guy behind me tried to get out and accidentally scraped it pulling out. I didn’t witness it though.
      Jan 19
    • Microsoft
      temp_

      Microsoft

      PRE
      Amazon
      temp_more
      That's an unattended hit and run if no insurance info was left
      Jan 19
    • Amazon Dr. Savage
      OP
      Nothing left. :/
      Jan 20
    • AMD
      I/O

      AMD

      PRE
      Intel
      I/Omore
      Then this falls under “collision”. So you will pay your deductible, but your rates won’t go up. (At least in California, not sure about other state laws.)
      Jan 20
    • Microsoft
      temp_

      Microsoft

      PRE
      Amazon
      temp_more
      I have faced this twice. This usually falls under the uninsured insurance. It doesn't count towards your collision or comprehensive coverage. With Geico, it just had a $300 deductible. I paid $300 on each of my claims and Geico covered the rest. Insurance never went up because it was a no fault claim.
      Jan 21
  • New ktFx33
    Try to find the color number and fix yourself IMO unless it’s a newer car like 2015+
    Jan 191
    • Amazon Dr. Savage
      OP
      Yeah I might just try doing it myself. Damn.
      Jan 20
  • Maybe you can figure what car hit you by looking around 2 or 3 days?
    Jan 190
  • New UHtz31
    a bit of brake fluid will buff out the paint scratches, would test on the inside of your hood first to ensure it doesnt actually dissolve the paint itself though
    Jan 190

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