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Ask the Car Insurance Expert

My son dented our car door while parking it. Body shop estimates $1,500 worth of damage; the deductible is $250. Is it a better deal to pay for it ourselves or submit it to insurance?

If it were me, I’d probably pay the $1,500 myself and “save” my insurance claims for the really big problems, rather than risk having my auto insurance rates go up.

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But in the end, it’s a matter of your own personal preference.

Last updated: Jun. 28, 2013 Redesign Survey