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Essential car insurance for auto body repairs

By Posted : February 22, 2018

A car accident is never fun, either is the resulting damage and paying for car repair costs.  If you've dented your bumper, developed deep paint scratches or otherwise damaged your car, you may be surprised to discover that the car repair cost for auto body mishaps can range between $50 to $1,500, and more.

damaged cars

Cars today are lighter, safer and get much better gas mileage. However, newer manufacturing technology also makes auto body repairs a lot more expensive.

While your insurance (assuming you are carrying the proper coverage) should cover your auto repair costs, it doesn't always make sense to make a file a claim on your policy. Depending on the type of insurance, a claim can push up your rates when renewal time comes around.

We took a look at five common accident scenarios to give you a rough idea on car repair estimates as well as what type of auto insurance coverage you need to help cover the damage and car repair cost. As an added bonus, we let you know if it makes sense to file a claim on your policy. 

Dented bumper1. Dented bumper

You're slowly pulling out of your parking space at the gym when you realize that what you thought was a puddle is in fact a patch of ice. Your brakes are useless and your car slowly glides into a telephone pole. Your rear bumper is scratched and has a major dent in it.

How much does it cost to fix a bumper? 

Bumper repair costs can vary dramatically depending on the severity of the damage and the type of car you are driving. Bumpers these days have a number of sensors that help collision avoidance systems and they can up the cost of the repair.

Pricing can range from a few hundred dollars to replace a bumper on an average vehicle up to thousands of dollars to put a new bumper on a high-end sports car.

According to Lisa Siembab with CARSTAR in Berlin, CT expect to pay $350 to $450 to replace the bumper on a 2016 Toyota Camry. This bumper replacement cost can go up dramatically depending on the vehicle you are driving.

Fix it yourself: If the damage is minimal, you may be able to repair the bumper yourself with a few everyday tools. See how to repair a bumper.

Auto insurance coverage: If you included collision coverage when buying car insurance, it would take care of your car bumper repair, subject to your deductible.

Collision pays for damage to your own car that is caused by a collision of some type. Collision covers not only accidents with other cars but also objects such as a telephone pole, fence or anything else you manage to hit.

Collision insurance is not a required coverage in any state so you will need to be carrying this type of coverage in order to get your vehicle fixed.

Collision insurance has a deductible associated with it, which you would have to cover when making a claim. A common deductible amount is $500, which means that if you did $1,500 worth of damage to your car, your insurance company would cut a check for $1,000 and you would need to pay the $500 balance.

If you also damaged the telephone pole, your property damage liability coverage, which is required by law, should pay for that repair.

Should you make a claim?

There is no right or wrong answer when it comes to this question, it depends on your personal circumstances. However, if you do decide to make a claim on your policy, in most cases your premium will be headed up at renewal time.

"If you make a collision claim your rates are likely to go up. If you're at fault this is almost always the case, but if you were not at-fault then some insurance companies will give you a break and not raise your premium," says Penny Gusner, Consumer Analyst with Carinsurance.com.

How much will your rates go up? "There is a good chance your premium will rise vary anywhere from 10 to 40 percent for a first at-fault accident. It's worse if you have a second at-fault accident - that will boost your rates 40 to 150 percent," warns Gusner.

One final bit of advice to consider when it comes to making a claim on your collision policy. "You may lose any "no claims" bonus or discount that you have when you make a claim, effectively pushing up your rates", says Gusner.

"My advice is to make a claim against your car insurance policy for major items and pay out of pocket for minor items if you can afford it. This allows you to carry a higher deductible, which saves money, and by only claiming for major items you should have far fewer claims, which will also keep your premiums down over the years," advises Gusner.


scratched paint2. Deep paint scratches

You had a great day at the ball game, your team won in the final inning. Unfortunately, one of the other team's faithful did not appreciate the flags, bumper stickers and other fan-decor on your car -- you emerge to find jeers about your team's hitting ability scratched into your paint.

How much does it cost to repair extensive paint damage?

Like most of these repairs, the cost to repaint a car can vary depending on the severity of the damage, but let’s assume that one entire side of the vehicle is severely damaged.

On the cheap side (think Maaco), a single-stage enamel paint that basically just refreshes the look of the car can run between $300 and $1,000 depending on the vehicle.

In this case you are probably going to need some repair work and a more detailed paint job due to the massive scratches which will most likely push the price range up to $1,000 to $3,500.

If you are looking for a top of the line paint job or are driving a luxury vehicle, the cost of repainting a car  can easily skyrocket up to $7,000.

Auto insurance coverage: Auto insurance claims for damage due to vandalism can be filed if you have comprehensive coverage, subject to your deductible.

This type of damage falls under the vandalism heading and vandalism is covered by "comprehensive" coverage. Comprehensive is not a required coverage in any state so you must be carrying it to be covered for this type of damage.

Comprehensive coverage will pay out for damage to your car that is caused by something other than a collision. Here are just a few things that comprehensive covers:

  • Theft
  • Vandalism
  • Fire
  • Natural disasters
  • Water damage
  • Falling objects
  • Damage done to your car by animals, think hitting a deer
  • Civil disturbance such as a riot

Comprehensive coverage comes with a deductible. You can choose your deductible and in most cases the higher your deductible the lower your premium.

When it comes to comprehensive claims, it is always a good idea to get a police report, as many insurance companies require it.

Should you make a claim?

As long as the claim amount is significantly more than your deductible, or more than you can comfortably pay out of pocket, you should consider making a claim. In most circumstances, because you are not at fault, a comprehensive claim should not raise your premium

"In general, comprehensive claims may raise your premium but they are less likely to raise them compared to a collision claim," advises Gusner, "Some states, such as New York, do not allow car insurance providers to surcharge drivers for comprehensive claims, however, if you have multiple comprehensive claims on your record, expect your rates to go up," warns Gusner.


cracked windshield3. Cracked windshield

You're zipping down the road and then you get stuck behind a big logging truck. You get closer, looking to pass, but the big rig kicks a rock into your car's face, cracking the windshield.

How much does it cost to fix a cracked windshield? 

In most cases, assuming you have comprehensive (we covered comprehensive in the last section), it should only cost a small deductible, and possibly nothing at all. However, if you are uninsured, not carrying comprehensive coverage or carrying a bargain basement policy that doesn't offer windshield replacement you could be paying for new glass.

A small crack can be repaired fairly cheaply, even without insurance, but going for windshield replacement, especially if you are cruising in a high-end sports car, can be pricey.

According to Safelite, repairing one small crack on a hypothetical 2016 Toyota Camry will set you back roughly $110. On the other hand, entire windshield replacement can cost $410.

Repairing a windshield on a high-end sports car can push the price into the stratosphere. According to this article on Jalopnik, the windshield replacement cost  (that had to be flown in from the U.K.) on an Aston Martin V8 Vantage was a mind-blowing $4,414. Luckily, insurance covered the cost, apparently it pays to carry comprehensive.

Auto insurance coverage:

Windshield replacement or repair is covered by comprehensive insurance. The details vary by insurance company but most insurers allow you to have your windshield replaced once a year for a small deductible, or in some cases, no deductible at all.

If you live in Florida, Kentucky or South Carolina, it is illegal to charge a deductible, in those states insurers are required to replace your windshield at no cost to you.

"In Arizona and Minnesota the law requires insurance companies to offer zero-deductible glass endorsements to motorists who carry comprehensive coverage. This means you pay a little bit extra in premiums but won't have to pay a deductible to have glass on your vehicle repaired or replaced," says Gusner.

If you choose to have a cracked repaired, before it spreads across the windshield, most insurance companies will waive the deductible.

Most insurers offer a full glass rider to your policy, which repairs or replaces glass damage with a zero deductible. This rider tends to be fairly affordable.

Should you make a claim?

Absolutely, there is almost zero downside to making a claim for a windshield replacement. You get a new windshield for free or a small deductible and in almost all cases your premium will not be affected at renewal time.


suspension4. Suspension damage

You're driving to work when your car drops into a huge pothole and now your car's suspension is damaged.

How much does it cost to fix pothole damage?

Costs can vary dramatically depending on the severity of the damage and your vehicle. The suspension system is made up of a variety of parts and repair costs can quickly add up. A full suspension replacement may run up to $5,000.

While there is no realistic way to give an exact cost for repairs, Jill Trotta, Director of Automotive Group with Repairpal.com offers these estimates on both our hypothetical Camry as well as a general price range:

Strut / Shock Absorber replacement

Overall - between $488 and $597

Toyota Camry - between $448 and $582

Wheel Alignment

Overall - between $115 and $302

Toyota Camry - between $105 and $134

Ball Joint Replacement

Overall - between $225 and $285

Auto insurance coverage:

"This type of damage would be covered by your collision policy, because you "collided" with the pothole," says Gusner. However, if it just causes damage or wear and tear to your tire it would not be covered.

Collision comes with a deductible and in many cases the damage done by a pothole may not be enough to make a claim worthwhile.

Should you make a claim?

Probably not, unless the damage is significant and you cannot afford to cover the cost of the damage out of pocket. The majority of the repairs would fall under your deductible amount (even if you are carrying a low deductible such as $500) so it makes no sense to file a claim.

In addition, filing a claim on your collision policy will almost always result in an increase in your premium. Save your insurance for major repairs and pay smaller ones out of pocket.

However, if your entire suspension needs to be replaced or you can simply not afford the cost of the repairs, using your insurance may be a necessity.


rear end damage5. Rear end damage

A squirrel crosses the road in front of you -- and naturally, you stop. Unfortunately, a lead-footed, tail-gating motorist slams into you from behind. While the squirrel is unscathed, the rear end of your vehicle is heavily damaged and your neck and shoulder are killing you.

According to data from the National Transportation Safety Board there are roughly 1.7 million rear-end collisions in the U.S. every year that kill 1,700 people and injury another 500,000. There is also a good chance that your neighbor is a man, a NHTSA study found that men are 1.2 times more likely to be involved in a rear-end collision than women.

How much does it cost to repair rear end damage?

It is almost impossible to put a price range on this kind of damage. Rear bumper replacement costs can range from a few hundred dollars for a bumper up to $10,000 or more if the frame of your car is bent.

Auto insurance coverage: 

In this case, you are not at fault so your fellow motorist’s insurance, assuming he is covered, should pay for the damage to your car as well as any injuries you suffer.

  • Damage to your car: The damage to your vehicle would fall under the property damage portion of your neighbor's liability policy. While most industry experts recommend carrying $50,000 in property damage, not everyone follows that advice.

If your fellow motorist is only carrying the required state minimums, you may end up on the hook for the costs to repair your car. Minimums vary by state but in California for example, the requirement is a mere $5,000, which will most likely not get your car back on the road.

If your fellow motorist is completely uninsured, or is carrying low coverage levels, your own collision coverage (assuming you are carrying it) will cover the cost to repair or replace your vehicle.

If you failed to add collision coverage to your policy (we highly recommend you carry collision) your last chance to avoid a big out of pocket expense is a uninsured/underinsured motorist property damage policy. This coverage kicks in to repair or replace your vehicle if the person who hit you is uninsured or not carrying enough coverage to fix your car.

  • Your injuries: As far as your neck, whiplash is one of the most common injuries in a rear-end accident. There are roughly 3 million new whiplash cases every year in the United States and 35 percent to 50 percent of whiplash victims will suffer long term pain and 14 percent will become disabled. Research shows that 45% of all people suffering from chronic neck pain can attribute it to a motor vehicle crash injury.

According to Alllaw, settlement values can vary dramatically but for a mild to moderate case expect $2,500 to $10,000. This jumps up to $30,000 for more serious case that involve months of physical therapy and if there is soft tissue damage of the vertebrae you could be looking at over $100,000.

Auto body repairs are just one reason why it is important to have sufficient car insurance. Compare auto insurance quotes to be sure you have all the coverage you need at the lowest possible price.

Should you make a claim?

In this particular situation, your neighbors insurance should be the one paying out for both the damage to your car and your body but if they uninsured you may have to turn to your own policy, assuming you are carrying uninsured/underinsured coverage.

You will need to be carrying uninsured/under insured bodily injury and property damage if you want your medical bills paid for and your car repaired. If you declined these coverages and the person that hit you is uninsured, you may be on the hook for the damages, or headed to court if you end up suing the other driver.

It is important to remember that if you are carrying health insurance that should cover the cost of your hospital bills, depending on your policy.

As one last reminder, if it's a simple repair like a dented bumper or even a bumper that needs to be replaced, consider paying for it out of pocket and saving your insurance for a major claim.

--Additional reporting by Mark Vallet

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