(Apologies if wrong forum but bottom line this is about money)
So my wife rear ended some dude this morning, totally her fault and seems relatively minor no air-bags or injuries. He didn't want cops involved and needed to get to work so they exchanged insurance/contact info and he said she needs to pay for his tail light.
Wife's car can be driven but it is a bit worse off in the front end, what I'm wondering is do I tell our insurance company? We have a $500 deductible and I've already scheduled a free estimate at an autobody shop for our car, so it is anywhere in the neighborhood of $500 and this other guy doesn't suddenly become something more than a tail light I'm inclined to just pay to have it fixed.
So I guess I'm seeking general advice from all the smart people here. We don't have any other claims and I'm not sure if our rates will go up or how much. I'm also worried if I fix it myself then this other cat changes his mind and decides his neck hurts and contacts our insurance company anyway then I'm stuck, how would they cover the cost if I already fixed it?
Thanks in advance for kind advice.
So my wife rear ended some dude this morning, totally her fault and seems relatively minor no air-bags or injuries. He didn't want cops involved and needed to get to work so they exchanged insurance/contact info and he said she needs to pay for his tail light.
Wife's car can be driven but it is a bit worse off in the front end, what I'm wondering is do I tell our insurance company? We have a $500 deductible and I've already scheduled a free estimate at an autobody shop for our car, so it is anywhere in the neighborhood of $500 and this other guy doesn't suddenly become something more than a tail light I'm inclined to just pay to have it fixed.
So I guess I'm seeking general advice from all the smart people here. We don't have any other claims and I'm not sure if our rates will go up or how much. I'm also worried if I fix it myself then this other cat changes his mind and decides his neck hurts and contacts our insurance company anyway then I'm stuck, how would they cover the cost if I already fixed it?
Thanks in advance for kind advice.