Free Tool

Should I File an Insurance Claim?

Sometimes paying out of pocket is cheaper than filing a claim when you factor in deductibles and rate increases. Enter your numbers and find out.

Claim vs. Out-of-Pocket Calculator

Compare the real cost of each option

Repair Information (from your repair estimate)

Cost of Repair

Your Deductible

Note: The cost of repairs may change if the vehicle has not been fully disassembled. Hidden damage can increase the final estimate.

Insurance Information (from your insurance provider)

Annual Premium What you pay per year for insurance

Potential Rate Increase Ask your agent what % your rate could go up

Years Rate Stays Increased Typically 3-5 years

yrs

Get your results emailed to you

We will send a copy of this comparison so you can discuss it with your insurance agent.

Don't File a Claim

Pay for the repair yourself

File a Claim

Deductible + rate increase

If You File a Claim: Full Breakdown

Cost of Repair

Less Your Deductible

Insurance Pays

Your Deductible (out of pocket)

Total You Pay if Filing

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This calculator provides estimates for informational purposes only. Actual rate increases vary by insurer, driving history, claim type, and state regulations. Contact your insurance agent for exact figures. The cost of repairs may change if hidden damage is discovered during disassembly.