I purchased a new black sedan in January of this year.

A few months back, the car was keyed, and therefore I filed an insurance claim and to get it fixed.

Now, today, I find that the door has received as nice white ding on the passenger side door. Should I file another claim?

What are the implications of making a second claim? The deductible on the last claim was $50. I assume it will be the same this time.

I am a young driver with a pretty bad record. Any advice would be appreciated.

The car is just so new... and so it'd be nice to have it repaired..

  • Secondary question: How long do I have to file a claim?
    – user606723
    Sep 8, 2011 at 16:51
  • What will the repair cost out of pocket?
    – MrChrister
    Sep 8, 2011 at 17:19
  • My guess is a few hundred. I am not completely sure.
    – user606723
    Sep 8, 2011 at 17:20
  • 7
    carrying a higher deductable could save you a lot on your annual rates, something you might want to consider. a $50 deductable is generally pretty expensive. And if you are not likely to file for smaller things anyway (to avoid raising the rate) then again, why have a low deductable? Sep 8, 2011 at 17:56
  • Chuck, Thats not the normal deductible. It's a lower deductible for non-moving claims or something.
    – user606723
    Sep 8, 2011 at 19:37

4 Answers 4


Find out what the repair will cost from a couple of ASE certified mechanics or other qualified people. With that, figure that two claims in a short period of time will certainly raise your rates, (by how much isn't something I would know)

If the repair is something you can afford out of pocket, then pay for it out of pocket even if it stings a little bit. Also, consider not repairing something that is strictly cosmetic and won't affect the vehicle down the line.

p.s. A white ding sounds like something you can buff out, but please learn about polishing it out before you make a hole in your paint.


Most insurers will think about booting you after 2-3 claims. I'd get it fixed out of pocket or leave it. If you're picky about your car, park in the back of the lot and avoid on-street parking.

  • 4
    And even if they don't boot you, they will certainly raise the premiums to a significantly higher level. There is no free lunch.
    – MrChrister
    Sep 9, 2011 at 0:19
  • +1 for the booting comment. That is the true risk, and then you have to find another insurance company to cover you, and likely pay even higher premiums. Mar 7, 2012 at 23:13

I think the hike in premiums isn't worth it. Just pay for this one yourself, and save insurance claims for bigger issues.


For claims under a certain amount ($1500 sometimes, but this varies) there should not be an uptick in your insurance rate. I imagine this is cumulative, so many of these might result in a premium increase.

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