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QI recently hit a parked car, I have state farm ins.The accident was my fault . Should I go thru ins?

I hit the rear bumper of a parked SUV . I damaged my car , the accident was primarily the result of a power steering belt too loose . I have a few tickets on my record , but most of them are old and in New York are deleted from your record after a while ( I have only one speeding ticket the rest were minor parking ) . I've never been in an accident as the driver. Im wondering if I should go or not through supplements , the estimation of the person who gave me bumper ( has a gouge pretty bad at it) was 600 . If I put a claim , will my insurance go up

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#1Claudia C.Answered at 2014-05-16 21:47:19
Unless this loose power steering belt was slipping (slow steering, probably squealing) and then suddenly grabbed hold, or vice-versa, it's still driver error.

If you put a claim in your insurance will probably go up a little. This won't be a huge claim (though that person's estimate might be really low, unless they work in a body shop)

You have liability insurance for this sort of situation. The only condition under which you shouldn't use it is if it really, legitimately IS something that will cost less than your insurance would go up. Unless you're going to make a habit of this, this is probably not one of those times.

(It could be, but only if the damage is limited to paint, and it's an easy spot to fix. This is not likely, but it is possible)

Oh, and get that belt fixed. Some power steering racks are not designed to be operated without power for extended periods of time. You may be doing permanent damage to your car.
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I recently hit a parked car, I have state farm ins.The accident was my fault . Should I go thru ins?

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