Minor accident, how to proceed with repairs

It sucks, how "minor accident" morphs into $3500 to $5000. I wouldn't doubt too, all the quotes will end up higher when it's all done.

I just pony up for collision insurance, year-after-year. A little bit of yearly pain, but I think it works out, we've had our share of claims. Obviously, the insurers are going to come out ahead, or they wouldn't be in business. But I'm ok with the annual premiums, and paying the deductable.

 

I'd concede you're probably ahead of the game financially. Still, when it's all coming out of your pocket, there's so much more incentive to cut corners, or let repairs slide. I guess that's the big advantage of insurance: no qualms about getting complete/full repairs.

If you switch to comprehensive now, you'll be accident-free for the next decade, lol.

 

Ouch.