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If the accident was your fault and your company doesn't have an accident forgiveness policy or you haven't been with your company long enough to qualify for forgiveness then I would highly consider paying out of pocket for the damage. If the accident wasn't your fault then go ahead with the claim. Make sure that you know whether the accident is your fault or not. What an insurance company thinks about fault is often times different than what you think.

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โˆ™ 2005-10-06 01:46:44
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Q: If you have a repair of 800 and a 500 deductible should the claim be submitted or just pay the difference since the insurance premiums will probably go up more than the 300 difference over the policy?
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