Insurance Collision Repairs vs Out-of-Pocket
After an accident, one of the first questions you’re faced with is: Should I go through insurance — or pay for the repair myself?
It’s a great question. The right answer depends on the extent of damage, your deductible, your premium, and even your vehicle’s value.
At Tri-Lakes Collision, we help customers navigate this decision every day. Here’s what to consider when deciding whether to file a claim or handle it out-of-pocket.
🔍 When It Makes Sense to Use Insurance
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Major Damage
If the cost to repair your vehicle significantly exceeds your deductible — especially several thousand dollars — insurance is usually the smart choice. -
The Other Driver Is at Fault
If you’re not at fault, the other party’s insurance may be responsible. We’ll help you through that process and communicate directly with their provider. -
You Have Comprehensive or Collision Coverage
These policies typically cover a wide range of damage scenarios, from fender benders to hail storms. Be sure to check your policy for exclusions. -
You’re Concerned About Safety
Hidden damage (like bent frames or compromised crumple zones) often requires in-depth repairs. Insurance can ensure your car is restored fully — not just cosmetically.
🧾 When Paying Out-of-Pocket Might Be Better
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Minor Cosmetic Damage
Small dents, scratches, or cracked lights might be cheaper to repair than your deductible — and won’t trigger a rate hike. -
You Have a High Deductible
If your deductible is $1,000+ and the repair is only slightly more than that, it may not be worth filing a claim. -
You Want to Avoid a Premium Increase
Even minor claims can cause premiums to rise — especially if you’ve filed others in the past few years. -
You’re Paying for Your Own Repairs (No Coverage)
Some policies don’t cover collision or comprehensive damage, especially if your car is older or only has liability coverage.
📊 Real Example from the Shop
A recent customer had $1,200 in bumper damage and a $1,000 deductible. Instead of filing a claim and risking a premium increase, they paid $1,200 directly. We even offered a discount for paying out-of-pocket.
🤝 How Tri-Lakes Collision Helps Either Way
- We offer free estimates so you can compare options.
- We’ll explain the real cost of insurance vs. self-pay.
- We work with all major insurance providers — but we’ll never push you into filing a claim if it’s not in your best interest.
- We offer fair pricing and honest recommendations — with no pressure.
📍 Get a Free Estimate and Trusted Advice
Not sure which way to go? Bring your car in, and we’ll give you a detailed estimate and transparent advice.
📍 2101 Wolf Ct, Monument, CO
📞 (719) 495-4508
🌐 trilakescollision.com
