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Depends on your driving record. If you have had another claim in the last 2 years more than likely it would be in your best interest to just pay it out of pocket. Of course that depends on what it will cost to repair. A fender bender can be very expensive on modern cars. And then there is the personnel injury the other party may sue you for in the future. They may even come up with other hidden damages to the vehicle. Only you can determine if there is just slight damage. You may also have a deductible that would come into play, and if if your file a claim you end up paying through the deductible. If, in the end you decide to pay this out of pocket, make sure you get a signed release from the person who owns the other car you damaged. Have a lawyer draw up a release form that will release you from all future claims against you. When you pay this have it notarized and make copies. If they refuse to sign the release form, do not give them one dime until they do sign. Keep them in a safe place like a bank lock box, for at least 7 years. A fender bender can cost you dearly if you do not protect yourself.

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17y ago

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