请问大家多少修车费用不适合报保险公司？

[xikairen]

路滑车前保险杠部分撞坏了，不知道一般超过多少钱应该找保险公司陪？

谢谢！

 

[dkwan]

If your repair is within your deductible, then there is no point reporting to your insurance.
If your repair is within your budget(small comprehensive or upset), I will say not to report to insurance due to

1) affect your insurance at renewal; and
2) affect your resale value;

But if the repair bill is out of your budget then you should.

 

[xikairen]

Dkwan, Thank you!

 

[dkwan]

If you want, send me some more information and I can give you a quote on the repair.

email: info@onionautoservice.com

 

[YINGWA]

If your repair is within your deductible, then there is no point reporting to your insurance.

If your repair is within your budget(small comprehensive or upset), I will say not to report to insurance due to



1) affect your insurance at renewal; and

2) affect your resale value;



But if the repair bill is out of your budget then you should.

Agreed totally!





LZ : Please note that, usually private owned garage will give you two quotes. One you pay from your own pocket, one from your insurance (unfortunately, that is the reality). If you claim insurance, after your deductible (usually first 500), your lost your NO claim bonus, and your insurance will go up, and it takes at least five years to go down. The worse is if the damage is due to collision (Insurance company will laugh loudly....). Insurance companies will always find ways to increase your fee. If you took picture of the road condition, i.e. full of black ice, and weather, maybe, that will help. If your have snow tire in winter, and report to your insurance company, the company will lower your rate. There are many ways to lower insurance, most important is to avoid collision and accidents.



Good luck