...Driver)? So just yesterday, a mishap with the throttle and accidentally bumping my car into neutral resulted in my car surging forward and making two small disturbances in the rear bumper of a '98-'02 Honda Accord in front of me.
Now, being a teen driver, I'm worried about my insurance rates spiking up after this mishap. Just today, I received a call from the driver of the Accord, giving me a quote of around $800 from Enterprise to fix the car, and to rent a car for him for 3 days. (He's told me that it'll take a total of 3 days... to completely "caulk and repair" his Accord).
$800, frankly, is absolute idiocy. I had planned on paying out-of-pocket to avoid insurance spikes, but $800 surpasses the limit. I've had a friend who's replaced his bumper on a '08 Scion tC for under $600. Two nickel-sized scratches on the back of a bumper cost $800?
My question is: is the driver of the Accord allowed to choose any method of repairing his car, should he decide to bill this to my insurance coverage? Frankly, the 3-days of in-shop time can be completely avoided (along with the majority of the labor fees and car rental fees) if the Accord driver buys a primed, ready-to-paint bumper for around $100, and then pays to have it painted for $200-$400. That alone saves me $500-$300. In the end, though, it's going to be his choice (and not mine), right?
If it is entirely his choice, then would it become a better decision for me to bill to my insurance coverage?
Now, being a teen driver, I'm worried about my insurance rates spiking up after this mishap. Just today, I received a call from the driver of the Accord, giving me a quote of around $800 from Enterprise to fix the car, and to rent a car for him for 3 days. (He's told me that it'll take a total of 3 days... to completely "caulk and repair" his Accord).
$800, frankly, is absolute idiocy. I had planned on paying out-of-pocket to avoid insurance spikes, but $800 surpasses the limit. I've had a friend who's replaced his bumper on a '08 Scion tC for under $600. Two nickel-sized scratches on the back of a bumper cost $800?
My question is: is the driver of the Accord allowed to choose any method of repairing his car, should he decide to bill this to my insurance coverage? Frankly, the 3-days of in-shop time can be completely avoided (along with the majority of the labor fees and car rental fees) if the Accord driver buys a primed, ready-to-paint bumper for around $100, and then pays to have it painted for $200-$400. That alone saves me $500-$300. In the end, though, it's going to be his choice (and not mine), right?
If it is entirely his choice, then would it become a better decision for me to bill to my insurance coverage?