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Fencepost fender bender. Will claim raise premium?

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Junior Member
What is the name of your state? California

Turned too sharply out of a driveway and front fender hit a fencepost causing a small dent and scrape to fender and pulled bumper out slightly. Being a BMW, the claim/adjuster appraisal will most certainly be more than $1200. However, ever after the $500 deductible, I can probably get it repaired for around $700 (no lien holder on car).

Will this claim count against me and make my annual premium go up?

Since it was a stationary object, will this count as a "moving collision"?

Just want to know how this might end up hurting me financially in the long run. :confused:



Senior Member
You need to talk to your insurance agent to see if this will affect your premium. This is an accident (call it a "moving collision" or what have you). Some insurance companies will allow for one free (you still pay the deductible, but no surcharge) small incident every 7 years for very safe drivers. Some won't.

Most likely, it'll be better for you to just pay out of pocket for this.

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