The True Cost of DIY Car Repairs vs. Filing an Insurance Claim

Car troubles can be a real headache, especially when you're stuck deciding whether to fix the problem yourself or file an insurance claim. While DIY repairs might seem like the cheaper and faster route, they aren't always the best choice in the long run. On the other hand, insurance claims can save you from hefty bills but may impact your premiums later. Let’s break down when it makes sense to handle repairs yourself and when you should lean on your insurance coverage.

Common DIY Repair Scenarios

Let’s start with some typical car repairs that people often try to tackle themselves. You might be familiar with these:

1. Cracked Windshield: A small crack or chip in your windshield can seem harmless, but leaving it unattended can cause it to spread, making it a bigger and more expensive problem. Many people attempt to fix minor cracks themselves using repair kits. The cost of these kits is usually under $50, but the quality of the repair can vary. If not done correctly, you may end up having to replace the entire windshield later—costing hundreds of dollars.

2. Minor Fender Bender: If you’ve been in a low-speed fender bender with little visible damage, you might think about handling it yourself. Repairs for small dings and scratches can be done with some elbow grease, touch-up paint, and a bit of cash. However, hidden damage to the car’s frame or alignment can add up if left unchecked. DIY repairs here might only be a temporary fix.

3. Flat Tire: A flat tire is one of the most common issues drivers face, and many people choose to fix or replace the tire themselves. A tire patch kit costs around $10, while a brand-new tire can run from $80 to $200, depending on the brand. This is usually a manageable cost compared to involving your insurance, which may come with a deductible.

The Cost of Filing an Insurance Claim

While DIY repairs might save you upfront costs, filing an insurance claim is often a better option for more expensive or complex repairs. However, there are factors to consider:

1. Deductibles: Before your insurance kicks in, you’ll need to pay a deductible. This could be anywhere from $250 to $1,000, depending on your policy. If the repair cost is less than or close to your deductible, paying out-of-pocket may make more sense.

2. Premium Increases: Filing a claim, especially for minor damages, could increase your premiums over time. On average, your rates could rise by 10-20% after a claim, depending on the nature of the accident and whether you were at fault. So, for smaller repairs, the long-term impact on your insurance rate might outweigh the short-term savings.

3. Comprehensive Coverage: If the damage to your vehicle was caused by something beyond your control—like weather, theft, or a stray shopping cart in the parking lot—filing a comprehensive claim might be worth it. These types of claims don’t usually affect your premiums as much, and they’re intended for incidents like this.

The Long-Term Benefits of Filing a Claim

While the idea of filing a claim might feel daunting, it can actually offer you peace of mind in certain situations:

• Major DamageFor more serious damage—like a major collision, engine issues, or significant structural damage—filing a claim is usually the way to go. Repairs for these types of issues can easily run into the thousands, and most people aren’t prepared to cover that out-of-pocket.

• Guaranteed RepairsWhen you go through your insurance, repairs are often guaranteed by the shop or through your insurer’s network, so you’re not left guessing about the quality of the work. This can save you money and frustration down the road.

When DIY Makes Sense

If the repair is small, doesn’t involve hidden damage, and you’re confident in your skills (or the skills of your trusted mechanic), DIY might be your best bet. Here’s when it makes sense to handle things yourself:

• The cost of repairs is less than your deductible.

• The repair is purely cosmetic and doesn’t affect the safety or functioning of the vehicle.

• You’ve priced out the repair and found it’s cheaper to pay out-of-pocket than deal with potential premium hikes.

Conclusion: Choose Wisely

In the end, the choice between DIY car repairs and filing an insurance claim comes down to the extent of the damage, your financial situation, and how your insurance coverage is set up. For minor repairs, DIY can save you time and money upfront. But for bigger issues or when in doubt, filing a claim can save you from a financial headache down the road.

Always weigh the pros and cons carefully, and don’t hesitate to lean on Curbsure for guidance. We’re here to help you make the smartest choices when it comes to protecting your vehicle and your wallet.