Should I file an insurance claim for my car damage?

Whether to file a claim depends on your deductible, the repair cost, and potential premium increases. Use our free calculator to compare costs. For a free in-person appointment, call Orlando Auto Body at (480) 844-4858.

Will my insurance go up if I file a collision claim?

It depends on your insurer and driving history. Comprehensive claims (hail, theft) typically do not raise rates. At-fault collision claims may increase premiums by 20-40%. Our calculator helps you weigh the costs before deciding.

How much does collision repair cost without insurance?

Collision repair without insurance typically costs $500-$5,000+ depending on damage severity. Orlando Auto Body offers competitive cash-pay pricing and payment options. Schedule a free appointment to get an exact quote.

What is the average car insurance deductible?

The most common collision deductibles are $500 and $1,000. Higher deductibles mean lower premiums but more out-of-pocket cost when you file a claim. Our calculator factors in your specific deductible to help you make the best decision.

Can I pay for collision repair out of pocket?

Yes, you can always choose to pay out of pocket instead of filing an insurance claim. This may be the better option for minor repairs below or near your deductible. Orlando Auto Body provides free appointments and competitive pricing for cash-pay customers.

Should You File an Insurance Claim?

Your insurance rates could increase hundreds per year after a claim. Use our free calculator to compare the cost of filing vs paying out of pocket.

$600+

Avg Annual Rate Increase

3-5 yrs

Surcharge Duration

20-40%

Typical Rate Jump

Free Rate Impact Calculator

Answer 4 quick questions to see your personalized comparison

Estimated Repair Cost

How much do you think the damage will cost to fix?

Repair Estimate $2,500

$500 $15,000

Your Insurance Deductible

The amount you pay before insurance kicks in

$250

Low deductible

$500

Most common

$1,000

Higher deductible

$2,000+

High deductible plan

Were you at fault?

At-fault claims cause bigger rate increases

Yes, I was at fault

Expect the highest rate increase

No, the other driver was at fault

Smaller or no rate increase

Not sure yet

We'll estimate a mid-range impact

Current Monthly Insurance Premium

Your approximate monthly auto insurance payment

Monthly Premium $150/mo

$50/mo $500/mo

File a Claim

Pay Out of Pocket

Schedule Your Free Appointment

We'll get you booked fast so you can make the best decision.

Call Orlando Auto Body

Mon–Fri 8am–5pm MST.

📞 (480) 844-4858

Mesa 480-844-4858 · Scottsdale 480-590-3135 · Gilbert 480-656-9202

Call for Appointment

How Insurance Rate Increases Work

Surcharge Period

Most insurers apply a surcharge for 3 to 5 years after an at-fault claim. That's 36 to 60 months of higher premiums.

Rate Increase Range

At-fault claims typically increase rates 20-40%. Not-at-fault claims may increase 0-10%, depending on your insurer and state.

Arizona Law

Arizona allows insurance companies to raise rates after claims. You have the right to choose your own repair shop — insurers cannot mandate one.

Common Questions

Will my rates go up if the other driver was at fault?

In most cases, your rates should not increase for a not-at-fault accident. However, some insurers may still apply a small surcharge. Filing through the other driver's insurance (third-party claim) avoids any impact on your policy.

How much does a typical collision repair cost?

Minor dents and scratches: $500-$1,500. Bumper replacement: $1,000-$3,000. Moderate collision: $3,000-$6,000. Major structural repair: $6,000-$15,000+. We provide free appointments so you know the exact cost.

Does Orlando Auto Body offer financing?

Yes! We offer flexible financing options for self-pay repairs. Ask about our payment plans when you get your free appointment. Quality collision repair doesn't have to break the bank.

Can I get an estimate before deciding to file a claim?

Absolutely. We recommend getting a free appointment BEFORE contacting your insurance company. That way you know the actual repair cost and can make an informed decision about whether to file a claim.

How accurate is this calculator?

This calculator provides an estimate based on national averages. Actual rate increases vary by insurer, driving history, policy type, and other factors. For the most accurate assessment, check with your insurance agent before filing.

Call Now Calculator