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Discussion Starter · #1 ·
Okay, so the other day DH drove my car, and when he got home he forgot to put it in park (this is what happens when you have a new baby, I suppose!). He did pull the emergency brake, though, so it didn't start rolling as soon as he took his foot off the brake. But, a few minutes after he got inside we heard a loud bang noise. It was a little while later before I realized what had happened.<br><br>
My car had hit the house!<br><br>
House is fine. It's brick and the car really on scraped up against it. The driveway goes down beside the house, and so when it rolled it didn't roll in a perfectly straight line and eventually scraped.<br><br>
So... my insurance has a 250 dollar deductible. I'm sure there is more than 250 dollars in damage to my car. I mean, it looks like practically nothing, but those things always cost more than you think. The bumper is dented a bit and is scratched badly. The side of the car next to the bumper is scratched up. The mirror is scratched.<br><br>
My insurance won't go up since this is the only claim I've had. But, it means that if I have any more claims in the next three years that it WILL go up. So, basically, I get one freebie. Do I use it?<br><br>
So, do I claim it and get it fixed? Claim it and pocket the money to use for other things and live with the damage? Don't claim it and just live with the damage? FWIW it's a 2004 Kia Spectra.<br><br>
If I choose to live with the damage I'll go to the auto store and get something to put on the scratched parts to keep it from rusting.<br><br>
WWYD?
 

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In the grand scheme of things, the damage sounds really minor. I might have filed if someone else had caused the damage and their insurance would cover the repairs, but you'd basically be filing against yourself. I don't think I'd want that on record unless absolutely necessary.
 

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It sounds minor so I'd just put something on to inhibit rusting and not bother filing a claim. I hate making phone calls and dealing with insurance companies any more than necessary. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol">
 

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Can you get it checked out before you decide? I only ask because I was rear-ended one time, (not very hard, barely realized I'd been hit) and I thought the bumper was only a little damaged, but then when they looked at it, a bunch of structural stuff had crumpled. You might want to get it looked at before you decide, b/c if there is other damage, and driving it makes it worse, insurance *won't* cover that. Just seems like if there was a loud bang, there could be more then just a scrape. But if it is definitely just cosmetic, I agree with the others and wouldn't bother filing for that.
 

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My first thought was rust - but maybe that's not an issue in your climate.<br><br><div style="margin:20px;margin-top:5px;">
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<div>Originally Posted by <strong>Okapi</strong> <a href="/community/forum/post/15421609"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Can you get it checked out before you decide? I only ask because I was rear-ended one time, (not very hard, barely realized I'd been hit) and I thought the bumper was only a little damaged, but then when they looked at it, a bunch of structural stuff had crumpled. You might want to get it looked at before you decide, b/c if there is other damage, and driving it makes it worse, insurance *won't* cover that. Just seems like if there was a loud bang, there could be more then just a scrape. But if it is definitely just cosmetic, I agree with the others and wouldn't bother filing for that.</div>
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Yeah that above.
 

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Discussion Starter · #6 ·
Rust is definitely an issue in eastern NC. I think the stuff that stops rust would do the trick, though.<br><br>
I think I'd need a new bumper, since my bumper is plastic and was scratched pretty deeply.<br><br>
Hmmm. Yeah, maybe I'll get an estimate, at least.<br><br>
Just so hard to do things with a new baby. I want it to just solve itself.
 

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I think it depends on what you plan to do with that car. If you are going to keep it until it meets its natural death, then stop the rust and don't do anything else. If you plan on selling it or trading it in, I'd get a quote on the repairs and go from there.
 

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You might be surprised about the bumper. They all seem to be plastic now. I got hit by a much bigger/more expensive car about 4 months ago. It scratched my bumper pretty good and totally screwed his bumper and broke out his tail light. Because someone else was paying I got it fixed. It cost just over $300 and you would never know there was damage.
 
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