Rule of thumb for insurance claims?
Any rule of thumbs people follow for insurance claims in terms of cost?
I was driving my gf car last weekend ( 2017 honda civic so roughly worth 14-15k) and some guy in a 2017 audi q7 backed into my rear bumper with his rear bumper cause he was on the phone and not looking at his rear view camera. We got out , got all his info(insurance,plate,DL). He said he will pay to fix/replace my rear bumper no problem as he knew its his fault. It was a late friday night so I told him I will call him monday with estimates. But he is not answering any calls or texts. (I know its his number cause he called me on the scene just so I can save his phone)
I called the dealer and also shops so the cost to fix is around 1500 roughly. Deductible on the insurance is 500$.
Does it worth to claim it for 1k$ payment or should i just get it fixed myself? I know insurance payments will increase and car value will decrease. But on the other hand I also want to do it just so that guys car gets an accident report, his car should worth around 30-40k and an accident claim on his car will cost him more than the repair he is avoiding to pay.
I am wondering if people here has an rule of thumb when it comes to insurance claims?
I was driving my gf car last weekend ( 2017 honda civic so roughly worth 14-15k) and some guy in a 2017 audi q7 backed into my rear bumper with his rear bumper cause he was on the phone and not looking at his rear view camera. We got out , got all his info(insurance,plate,DL). He said he will pay to fix/replace my rear bumper no problem as he knew its his fault. It was a late friday night so I told him I will call him monday with estimates. But he is not answering any calls or texts. (I know its his number cause he called me on the scene just so I can save his phone)
I called the dealer and also shops so the cost to fix is around 1500 roughly. Deductible on the insurance is 500$.
Does it worth to claim it for 1k$ payment or should i just get it fixed myself? I know insurance payments will increase and car value will decrease. But on the other hand I also want to do it just so that guys car gets an accident report, his car should worth around 30-40k and an accident claim on his car will cost him more than the repair he is avoiding to pay.
I am wondering if people here has an rule of thumb when it comes to insurance claims?