Does Car Insurance Cover Bumper Damage?

Does car insurance cover bumper damage?

If you have collision coverage, then you're generally covered for damage to your bumper caused by an accident. If the damage is caused by something other than a collision, like a tree branch falling on it, comprehensive coverage would apply instead. If the bumper damage is very minor, it may make more sense to pay out-of-pocket, especially if the cost of repairs is lower than your deductible.

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.

Example:

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.

Pro tip:

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. Recycled and 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

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