How do I know if I should use insurance or pay out of pocket for my collision repair?

It depends on the cost of the damage, your deductible, and whether filing a claim could impact your insurance rates.

Here are a few things to consider when deciding:

1. Check your deductible – If the cost of repairs is close to or less than your deductible, paying out of pocket may be the smarter option.
2. Consider potential rate increases – Filing a claim for minor damage could raise your premiums. Many drivers choose to self-pay for smaller repairs to avoid that risk.
3. Were other vehicles involved? – If someone else caused the accident, their insurance may cover your collision repair. If there’s any uncertainty or major damage, it’s often best to involve your insurance company.
4. Get a professional estimate first – MiCar Collision Center will provide a clear, detailed repair estimate. We’ll walk you through both options and help you decide what makes the most sense for your situation and budget.

Still have questions? Give us a call—we’re here to help you feel confident in your next steps.