[Bobblehead]

Originally Posted by albertGQ

So I was going north on Memorial Drive last night and hit a patch of ice and nailed the concrete barrier that divides the C-train tracks. My front bumper is #####ed as well as the left headlight. Also, for some reason my windshield washer fluid doens't work so maybe it got busted and emptied in the collision.

Anyway, what I was wondering is if I should go through insurance or not. My deductable is $1,000. I have a 2002 Acura RSX. Does anyone know approximately how much a new front bumper and headlight costs? I have an appointment with A-1 Autobody for them to do an appraisal of the damage on December 15th. Man, are they busy or what.

The reason I ask is my insurance company said since I have less then five years of driving experience they will lower me to a zero when my insurance is up for renewal. So basically if I pay the $1,000 deductable and go through my insurance, I will be considered a new driver when my insurance is up for renewal in August.

So, depending on how much it'll cost to repair my car I might go through insurance or pay it out of pocket

Is it normal practise for an insurance company to drop you from a four to a zero after only one at-fault collision? If not, then I guess I should shop around when its renewal time


So if there is anyone out there that can help me for my next course of action, that'll be great

Thanks!

Different insurance companies handle it in different ways. Some have been known to drop clients after a single accident.

You need a bit more info to make your decision: How much will your car cost to fix (which you are working on), how much will your rates jump, and for how long, and finally, what rates can you get from someone else?

That way you can find out if a) you should pay it yourself, b) go through insurance and take the hit or c) go through your insurance and then drop them like a bad habit and go to a new company.

Good luck