Broken Lights

Cracked, foggy, or moisture-filled headlight/taillight assemblies.

Minor Moderate Severe

Structural or multi-panel

Estimated total

$391–1,564

Base: Headlight Replacement · Severity: Severe

Match with a body shop

Insurance vs. out-of-pocket

Pay out of pocket

$391–1,564

No claim. No premium impact. Best on smaller damage.

Through insurance

$500 deductible

+ est. $1,500 premium increase over 3 yrs if at fault.

Rule of thumb: pay out of pocket when total is under your deductible + 3-year premium impact. Use insurance for not-at-fault claims, larger damage, or any injury involved.

Educational estimate. Real pricing depends on your vehicle, the inspection, parts availability, taxes, and shop rates. Use this as a guide while you shop quotes.

Other damage types

Bumper Damage

Cracks, scrapes, sagging covers, pulled tabs.

Fender Damage

Bent, creased, or crumpled fenders.

Hood Damage

Buckled hoods, failed latches, broken hinges.

Door Damage

Dents, misaligned gaps, doors that won't latch.