In article <eNTZb.36518$ac.6943770@news4.srv.hcvlny.cv.net> ,
"Invalid Email Adress" <invalid@emailadress.com> wrote:

> : C is not really practical. Most people would do B (and then simply not
> : fix it, or fix it minimally, and pocket the difference). A is your best
> : bet if you can swing it; the less the insurance company has paid out
> : against your policy, the better.
>
> Appreciate your advice. This is my first accident in 17 years of driving.
> Even if I go (a), will this appreciate my premiums just because I had an
> accident?

Quite possibly. Actually, you now have it on the public record; that
alone (like a simple speeding ticket) will cause something to happen.
Plus, some people report that insurance companies ding you for simply
calling them to ASK about the details of submitting a claim, whether
they submit the claim or not.

But there's no question that you're better off if you don't cause them
to spend money.

If you have a good relationship with your insurer, and if it's a good
one (like State Farm), and if you pay the entire thing out of pocket and
don't take their money, it may not hurt you at all.




> Just a damage hood, front light (left) and bumber for me - rear bumber for
> her.

A couple years ago, I had damage exactly like yours on my 92 Civic. OEM
parts, labor everything was $1700. Her bumper may be repairable for
cheap (did you know that even deep scratches on a bumper cover are
easily and cheaply repairable by a good body shop? I didn't, not until
I needed that service a couple months ago).

You may get out of this for relatively cheap. You may think about just
paying it out of pocket, and keep the insurance for a real catastrophe.