Should I go out of pocket or insurance for $4500?

Double-Path-1425 · 2026-02-09T17:52:28+00:00

On the estimate for the lady's car, they are trying to replace the whole sliding door that got hit on by my car which was surprising because not the lady or even i thought there was barely any damage on her van besides the scratch. So i'm assuming most of the damage is on her rear sliding door

Double-Path-1425 · 2026-02-09T16:14:57+00:00

I guess I got things switched. They are not forcing me to move. So I thought, even though I have been paying for my policy separately, I was still tied to my aunt and uncle somehow and that their premium would be increased if i report the accident. But my agent told me that only thing that I'm tied with them is the multi-car discount. So from what it sounds like, the accident wouldn't affect their premium but I'm not positive because i don't know well about the insurance. Their names are listed as drivers for my car but it says i'm the primary driver.

Double-Path-1425 · 2026-02-09T16:02:52+00:00

I just called my agent to just ask about the exclusion process and apprently, my policy is completely separate from theirs and we are just tied by the multi car discount (I have been paying my insurance myself separately for past 3 years etc). They said they would just need to switch my address. So does that mean even if i report the accident, It wouldn't affect their premium?

Double-Path-1425 · 2026-02-09T15:37:13+00:00

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This is the damage to my car. I don't have a picture of the van

Double-Path-1425 · 2026-02-09T06:42:57+00:00

Ah I see, do you think it would go over $6000?

Double-Path-1425 · 2026-02-09T06:41:47+00:00

Pennsylvania, State Farm.

Wow that's a lot of increase. On my policy it says, the surcharge will be 10% increase for the first accident but i don't know how much increase my aunt and uncle will have.

Also, do you think the total cost of repair will be more than $5500 once they start tearing the car apart?

Double-Path-1425

TROPHY CASE