This was a minor scrape, no driver was issued the ticket..but the bumper and (charger-side) quarter panel are damaged. Initial estimate was $6500 (i have a $500 ded). Would you advise that one go through insurance? I was informed that submitting the claim might raise rates by 25%-30%. Of note, I have 3 teen drivers, on my policy and we pay about $8000/yr for 5 cars. This car is mine (father)...but I assume that the 25% increase would be across the $8K...thus an expected increase of $2k per year.
There is a big part of me that things insurance is purchased for a reason..and that fearing these increases kind of defeats the purpose of having the insurance. It hurts that it will impact rates, but two of my kids will be 21 in a year or so...so i suspect that rates may go down eventually.
Would it make any sense to spend $6500 out of pocket? (Not to mention that there may be additional costs..once they start repairing this). My sense is that this is largely cosmetic...but its a Tesla...so who knows?