Friends,
Weird situation:
My car got into an incident (the front portion) hit a unlevelled road two weeks back. I had to find a local guy to do quick fix (he had to hammer the bar down) supporting the hood. The front hood is not fully closed (It is latched and safe to drive).
I took to few body shops and the estimates range around $6000.
As I see, I have two choices:
1. Go through Auto Insurance (Amica) and pay my deductible ($1000) and fix. I am not sure whether Insurance will give me hard time since I went through local guy and there are visible marks of him hammering the bar down. Another drawback with this option is, most likely I will be paying increased premiums for 3 to 5 years. My question here is, can they reject my claim because I used local guy to fix and it is couple of weeks? In case if they reject my claim, what are the chances of them updating vehicle history which may affect insuring or selling in future.
2. Go through some online site and sell the car and make use of the demand for second hand cars. The Car has very low mileage (24000) and It is five years old. Comparable vehicles are available with 30 day waiting period.
Can some of you please help with any suggestions and answer my queries based on your experiences?
Thanks
Weird situation:
My car got into an incident (the front portion) hit a unlevelled road two weeks back. I had to find a local guy to do quick fix (he had to hammer the bar down) supporting the hood. The front hood is not fully closed (It is latched and safe to drive).
I took to few body shops and the estimates range around $6000.
As I see, I have two choices:
1. Go through Auto Insurance (Amica) and pay my deductible ($1000) and fix. I am not sure whether Insurance will give me hard time since I went through local guy and there are visible marks of him hammering the bar down. Another drawback with this option is, most likely I will be paying increased premiums for 3 to 5 years. My question here is, can they reject my claim because I used local guy to fix and it is couple of weeks? In case if they reject my claim, what are the chances of them updating vehicle history which may affect insuring or selling in future.
2. Go through some online site and sell the car and make use of the demand for second hand cars. The Car has very low mileage (24000) and It is five years old. Comparable vehicles are available with 30 day waiting period.
Can some of you please help with any suggestions and answer my queries based on your experiences?
Thanks