Someone damaged my bumper while my car was parked. Does my Collision or Comprehensive insurance cover the damage?

 

was it hit by another vehicle? or did they damage it with another instrument?

 

it was hit by another vehicle and the paint cracked in some areas. I would probably just need a new paint job.

 

It probably would, but you have to consider how much your deductible is and whether it would be worth filing a claim and getting higher rates. Yes,they will raise your rate. Might be better to just pay for it yourself.

 

How can they raise the rates on something that's 100% not the persons fault? I dont understand that. I could see if the person has the crappiest driving record and has filed a million claims... but just simple little things like that they shouldn't be able to raise rates on. It's stupid you pay all that money every month then when you need help they raise the crap on you. Doesn't seem legal.

 

...best thing to call your insurance first!

 

Insurance companies don't look just at your driving record etc, they look at the number of claims they have to pay out of their pocket.

So, filing a claim for a bumper fix counts as one claim unless you have the insurance info of the person that hit you.

Here in AZ a lot of insurance companies push for full glass coverage because of all the rocks and gravel. What they don't tell you is that if they replace a cracked windshield for you it counts as a claim against you. Two of those and your rates go up regardless of anything else..Therefore if you live in AZ don't bother with glass coverage. Read your insurance contract some say on teh first claim they can raise your rates, others say after two or three or whatever...

 

I have different deductibles for collision and comprehensive. Which one would cover the damage?

 

I think it would be collision. Like the other guy said, you should call your insurance company. Insurance is a scam, that is why they can raise your rates.

 

Collision. It's generally defined as "The upset of your vehicle or it's collision with another vehicle or object." Comprehensive is basically everything else. And many policies now don't even have "comprehensive" coverage. It's just called "loss other than collision." Depending on how the policy is worded it could theoretically be counted as comprehensive if it was intentional on the other driver's part, if the other car was, say, unoccupied and rolled into yours, or if you just had the good fortune to get a claims adjuster who doesn't really know what they are doing.