Today, while driving home from work on the freeway, a steel pipe/rod flew off a truck a couple cars in front of me and hit my 2010 GFM IS250 with less than 15,000 miles on the odometer. The bumper is cracked all the way through and needs to be replaced. My question is, if I go through insurance, will my rate go up? Or should I just suck it up and leave it as is. Thanks for your help in advance.

 

I would cry, like I did last night after going over a sewer top that I didnt realize was extremly raised off the ground... with the sounds I heard I dont think I even want to check down there


I hope someone else can provide you with a more helpful answer I had to vent

 

Time for a new bumper cover. Bummer bro!

 

get some plaster on there and good to go!
but seriously, call insurance to see if they'll even cover it

 

looks like its time for a new bumper. Depending on your insurance it might cover it.

 

Same thing happened to me a couple months ago deep gashes into my bumper/foglight housing. Update us!

 

I'm 17 and I had rugs flying all over hitting my hood and bumper on the freeway to getting keyed multiple times. Just go through insurance, with comprehensive, you're covered. Your rate shouldn't raise.. if it does, maybe by 10 bucks.. or 20.

On the bright side, you can go get a new 2011 bumper if you want to go that route, but accidents happen!

 

Your insurance will cover the repair, but your rate WILL go up anytime you report a claim......unless you have the accident forgiveness perk.

 

Your comp will cover it if it flew off of the truck and never hit the ground first. If it hits the ground and then you hit it it is considered a collision and you will be charged as an accident. I just had this happen to me and my comp took care and no raise in insurance. Also my comp deductible is only $250 not $1000 like collision. Make sure you tell your insurance that it flew off of the truck like you said and it did not hit the ground before it hit you. They won't expect you to have gotten the license number of the truck as you are busy trying to figure what happened and not trying to chase down the truck. I had about 10k miles when mine happened.

 

This is what mine looked like.

 

You have to ask your insurance company about your policy. My rep said that any claim under $1k will not raise my monthly rate. And if it's less than your deductible, then no sense going through insurance. This is where you ask them if this is covered and if you have to pay the deductible...I don't think you will since it's not your fault.

Sorry to see this and good luck getting it fixed!

 

Thanks for everyones comments. You all are very helpful. I will talk to the insurance. They are pretty crafty as to deny or accept collision. I am beginning to hate them already and feel that they just take my money for nothing. Might as well bend over backwards....

 

It probably will not go up. Most hike in premiums are result of accidents being your fault or infractions. Now the decisions... How much is your deductible vs how much for a new painted bumper. Shop around and try to salvage one maybe unless 'money ain't a thang'.

 

as JGR7 stated it DID NOT HIT THE GROUND FIRST IT HIT YOUR BUMPER AS IT FLEW FROM THE TRUCK YOU ARE LUCKY IT HAPPENED THAT WAY as collision claims and comp claims are looked at diferently good luck