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Insurance Question

1K views 15 replies 9 participants last post by  tucsondivots 
#1 ·
So.....I backed out of my parking place in a private lot today at the same time an SUV backed out and we hit. ZERO damage to his car but the square tow bar on his bumper punctured my rear bumper to the left and below the license plate area. It left a perfect impression of the tow bar. We both share fault equally. I am thinking there is no reason to try to pay the deductible and try to have my insurance fix it because my rate will increase. But I am afraid the whole bumper may have to be replaced. Anyone have any thoughts on this?
 
#2 ·
You are correct, you're both equally at fault. I can definitely understand not going through insurance. What's your deductible?

The bumper is tough to repair when it's dented or cracked. They'll want to replace the whole thing.

Do you have a pic of the damage?
 
#3 ·
Take a look at the cost of a bumper at Rock Auto, then decide.
 
#5 ·
Ouch, that is a pretty nasty number
 
#9 ·
Add a tow hook right there lok


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#7 ·
Also factor in the cost of another styroforam impact absorber, which is like $130-$150.

I've had mine replaced twice (by insurance) because people like to rear-end me. I'm guessing Grabber Blue must be a really tough color to see. LOL.
 
#8 ·
Also factor in the cost of another styroforam impact absorber, which is like $130-$150.

I've had mine replaced twice (by insurance) because people like to rear-end me. I'm guessing Grabber Blue must be a really tough color to see. LOL.
How much did it cost (by insurance) to replace? Do you think the old syrofoam impact absorber would not be reusable with just one puncture spot? Thanks.
 
#16 ·
I took it to 3 body shops. 2 quoted $1,137-$1,152. Third one is shop I used for some work years ago on my 2005 Mustang. He thinks he can fix the spot and repaint. Says I may be able to see where repair was done but will look good. Considering where the damage is it seems worth the $350 he is asking to give it a shot. Will take it in next Monday. Two days in shop. I will post after photo when done.
 
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