home insurance other structures
It hit a pole. Should I file an insurance claim or pay out of pocket?
We rented an apartment in a large complex and each unit receives a marquee. If you can imagine, it's just a deck structure with two 4'x4 'wooden poles that separate each port. Back home, one of us became the garage, but the lap was a bit too short and the car was beaten by one of the poles. Fortunately, no damage to the garage, but the estimate of supplies and labor for a new pole that was consolidated and settled between $ 300 and $ 400. They do not care if we pay out of pocket or file with our company insurance, if your money. I am finding this difficult. It's a bit more than they want to pay out of pocket knowing they are safe but also liabillity time I'm worried about the impact on insurance rates if a claim is files. Both have several years of safe driving records. Any ideas?
No need to Get 3 Estimates, which really is not necessary to obtain one. They told you what the price was, his choice is to pay yourself, or deliver it to your insurance and that paid. There is always chance that your premium will increase in the renewal of the accident, but not in the $ 350 that you would have to pay out of pocket. Your choice.
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