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Claim insurance or not?
Driving home late last night from the hospital after visiting my father. I hit something black, plastic like thing on the fwy doing about 75 in my S2000. I just couldn't see that damn thing until it was too late. The wheel picked it up and tore off my fender liner, ripped up the HID headlight, some wiring and Yanked all the attaching points from the bumper and then some. Now there are big holes in the back side of my bumper. I am not sure how much this will cost to repair, but I am thinking about making a claim since I have not had a claim with them for a loooong time. One thing is that I don't want my rates to go up if I had to cough up a 1000 bucks. My deductible is $1000. My biggest concern is my rate going up on all my cars. What do you think?
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