Insurance question

[nangiggles]

So on Halloween I hit my front bumper and the whole bumper cover fell off, I didn't tell my insurance cuz I thought I could fix it, I can't.

Since my deductible is 500 I wanted to take it to the dealer for a repair estimate and see if its around that, I'd so I will pay out of pocket to keep my rate intact. Not sure Id I should tell insurance company first, otherwise the estimate repair date will be before I even reported.

It was suggested I call the insurance and just say I fell on a pothole today but I'm afraid of getting in trouble.

Thoughts?

Sent from my HTCEVOV4G using EliteFitness

 

[Teddykong]

Did the whole bumper fall off or just the bumper cover? Unless there's a lot of damage I wouldn't go through insurance

 

[-SD-]

Leave the insurance out of it if you dont want your rate to be fucked with

If you lie and say you hit a pothole the insurance company's adjuster is going to look at your car for evidence

You dont want that to happen

 

[nangiggles]

Im just scared of taking it to the dealer ans have them snitch on me, Fuck I don't know what to do

Sent from my HTCEVOV4G using EliteFitness

 

[nangiggles]

I just bumped the thread with the pics

Sent from my HTCEVOV4G using EliteFitness

 

[cindylou]

the dealer won't tell your insurance company

 

[cindylou]

I'm confused. You want to pay out of pocket right? Why do you have to call your insurance company?

 

[zwhit]

take it to a repair shop and get an estimate. tell them you're going to pay out of pocket. if it's enough for you to file a claim, take it back and tell them that's what you're going to do. they'll work with you on the dates and what not. you're not going to get in trouble lmao

 

[WoodyO]

Fuck the dealer. Earl Scheib will paint any car for $99.95.

 

[zwhit]

no longer than you've been driving, you're probably going to want to pay out of pocket if possible