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Should I File an Insurance Claim or Pay Out-of-Pocket?

30-second check. No personal info. If anyone was injured or another vehicle/property was damaged, always file a claim.

U.S. defaults Estimate includes tax Deductible waived when not at fault (collision)

If you’re not at fault in a collision and the other party is identified, many insurers waive or reimburse the deductible.

More options (fine-tune)
If unknown, defaults to $650/yr
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This tool provides general guidance only. Rules vary by insurer and state. If there’s any injury, third-party damage, or uncertainty about liability, file a claim and follow your insurer’s guidance.
Example: Avg U.S. premium ≈ $1,900/yr. Typical at-fault surcharge $600–$800/yr × 4 yrs = $2,400–$3,200 plus any deductible. Claims often make sense when repairs exceed ~$3,500–$4,000—results vary by carrier and state.