Should I file an insurance claim for bumper damage?
While it's usually recommended to inform your insurance company about any damage to your car, you may choose not to file an insurance claim for bumper damage if you'd prefer to pay for repairs out of pocket. It may not make sense to file a claim if the bumper damage is minor and the repair cost is lower than your auto insurance deductible. If you have a low deductible, it may be worthwhile to file a claim, even for minor repairs. It will usually come down to the extent of the damage and the amount of your comprehensive or collision deductible.
If you accidentally scratch your bumper in a single-car accident, such as backing into a guardrail or telephone pole, you may want to pay for repair costs out of pocket instead of filing a claim. This is especially true if the cost to fix your bumper is lower than your deductible because your insurer won't pay for any portion of the repairs. If the cost is higher than your deductible, it may be worthwhile to file a claim.
Many insurers offer small accident forgiveness, a program that keeps your rate the same if you're involved in a minor accident. For example, new Progressive customers in most states won't see a rate increase if their total claim is less than or equal to $500.
How much does it cost to repair bumper damage?
The cost to repair bumper damage will vary greatly depending on the severity of the damage. A few scratches on your bumper, for example, will typically cost less to repair than a shattered bumper that will need to be fully replaced. The cost will also vary based on the time needed to fix the damage, the parts needed, and the make and model of your vehicle.
How much does it cost to fix a bumper that's falling off?
Like other repairs, the cost will vary based on your vehicle and the specific parts needed, among other factors. If the bumper can be popped back in, it may cost less than a complete bumper replacement. Aftermarket parts generally cost less than OEM, or original equipment manufacturer, parts. Any customized parts will also typically cost more to repair or replace.
How to get collision and comprehensive coverage
New Progressive customers
Quote auto insurance online or call 1-866-749-7436 to add comprehensive and collision coverage to your new policy.
Current Progressive customers
Log in to your policy or call 1-866-749-7436 to add comprehensive and collision coverage.
Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.