Auto Insurance Claim?

Question

My cousin accidently hit and damaged exterior part of my vehicle when he was trying to back up his vehicle. The cost of repair might come around some 2000 should I file the insurance claim or handle it my self

Answer 1

Your car your name you take care of it.

Answer 2

your cousin backed into your car??  Why would you just handle it.

File a claim under his insurance and let them handle this. they owe you for the cost of repairs and a rental vehicle while your's is in the shop.

Answer 3

he hit you its his no claims bonus hes losing not you! and if he can afford it i would say it would work out cheaper in the long run if he can sort it on his own

Answer 4

I want to make sure I understand what you are asking,

I assume your vehicle was parked. Your cousin (driving his own vehicle) backed his car into your parked vehicle.

Does your cousin live in a separate household from you? If yes, then should be able to file a liability claim against his policy for the repairs to your vehicle.

Or if you have collision coverage - you can file a claim against that and your insurance company will pursue your cousin's policy for re-payment.

If your cousin has the money to pay you out of pocket for the damage - it is ok to do that. However, most people don't have that kind of money and you would end up having to file a claim.

Your agent can help you decide the best way to handle this.