aaa home insurance michigan

I hit a snowbank and have slight damage in front bumper. Should I call the insurance?

I lived in michigan. It was snowing and the road was very slippery. I lose control of my car, and it slipped and fish-tailed onto a snowbank. So i called AAA to get my car out. I didn’t realized that my front bumper was cracked until i got home. It is barely recognizable, but i have to get it fix b4 my lease end (in 2 years). I got the estimated at a body shop, they told me to replace it and it will cost me a little over 600. I have a collision coverage with 500 deductible. it’s a really minor damage and you can barely really see it, but to fix it i have to replace the whole thing. This is also my first accident ever, too. I know it will need to get it fixed before my lease end, but I am worrying my insurance premium will go up. I don’t know should I called the insurance or not? Also no police was involved too, so i don’t know do i need to report to the police also.

If no car is involved but yours, and no property is damaged but yours, and no injuries, then I believe you don’t have to report it to the police.

It’s up to you whether to pay out of pocket for the repair or file a claim with insurance.

If you file a claim, they will treat it as an at-fault accident and raise your rates just like they would any at-fault accident. The fact that it’s minor doesn’t help you in the slightest. That could make your rates go up a LOT especially if you’re young and male. Of course if that happens, you can always think about changing insurance companies.

However because it’s a lease, you need to have it repaired professionally to insurance standards. So you can’t have Uncle Cletus fix it for you for 1/4 the normal price.