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How would I submit a claim to my car insurance for bumper damage?
I backed into a pole in a parking lot. How would I submit a claim to get my bumper repaired?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Submitting a claim to an insurance company after
hitting a pole
is common. Since blind spots can make maneuvering a challenge, accidentally backing into a pole isn’t as rare as you may think.If you want to submit a claim to your insurance company, you will need
collision coverage
on your policy. Collision covers damage to your vehicle if you collide with another vehicle or object. Collision coverage will apply in this situation, even if you’re at fault.If you have collision coverage, get an estimate for the cost of repairs. Since you are responsible for your deductible before your insurance covers anything, you will want to find out whether repairs will cost more than that. If they do, you can submit your claim to your insurance and pay your deductible.
If repairing your bumper costs less than your deductible, you can’t submit a claim.
If you want to lower your deductible amount in the future, reach out to your insurance company or shop around.
Choosing a deductible
is a personal decision, but you should be able to find an affordable rate for your choice.If you want to save money on car insurance, the
Jerry
app is a good place to start. As a licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top insurance companies and buying new car insurance. Jerry will even cancel your old policy for you.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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