Accident: insurance or pocket money? - Subaru WRX Forum
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post #1 of 7 Old 11-21-2007, 03:36 PM Thread Starter
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Accident: insurance or pocket money?

I got into an accident 2 days ago. It was purely my fault, no other party involved. I punched the throttle too early while exiting a right turn, understeered, and ran into a dirt wall. Almost all of the damage is located at the front driver's side, where I bent a control arm, popped a tire, scuffed (not bent) a wheel, scratched (no dents) the front bumper, fender, and both doors (again, on the driver's side). As far as I can tell, that's all the damage. I didn't want to get insurance involved at first, especially since I'm young (20), but if they pay for all the damages as well as labor (control arm install, mounting/balancing tires, alignment, paint), it might be worth the $500 deductible. The thing I'm worried about is my premium going up. I know not much can be said without knowing specifics, but do you guys think it'd be worth it to bring insurance into the picture?

Fyi I already have a set of tires lying around, as well as a pair of aluminum control arms I bought just yesterday. I'm capable of installing the control arms myself, so I could save some money there. I also might be able to get the bumper, fender, and doors painted for $100 each (group buy on nasioc). Keeping all that in mind, I'd probably end up with a lot of leftover cash from insurance, which I could use for other stuff... Thoughts?
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post #2 of 7 Old 11-21-2007, 04:23 PM
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Dont get the insurance co. involved if you dont have to . Your young and your rates will sky rocket . Sounds like very light damage just try to fix it out of your pocket.

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post #3 of 7 Old 11-21-2007, 05:26 PM
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yea and i think insurance claims stay on your record for like 3 years. dont quote me i could be wrong. the difference that you will be paying in increased insurance and the deductible would probably be the same or if not more than if you fixed it yourself. just take out a small loan and fix it yourself if you dont have the funds.

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post #4 of 7 Old 11-21-2007, 07:59 PM
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fix it! dont get involve the insurance..its going up, espeacially your age.

Last edited by hi-power WRX; 11-26-2007 at 04:07 PM.
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post #5 of 7 Old 11-22-2007, 05:16 AM Thread Starter
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thanks guys, I'll probably just try paying for it out of my own pocket.
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post #6 of 7 Old 11-22-2007, 10:14 AM
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i would think if your control arm is bent, your crossmember that it attaches to may be bent as well.
I just replaced alot of the same parts on a car that hit on the passenger side, we ordered all the parts and when I went to bolt the the control arm on it woulndn't fit. visually the crossmember did not look bent. oh and the sway bar also needed replaced

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post #7 of 7 Old 11-22-2007, 06:44 PM
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yea it does stay on there for three yearsm cause i got in an accident when i was 17(right after i just got from the court house for paying a speeding ticket in the protagey ) and in june of next year it will go off. rediculous. good thing my insurance will go down a bit
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