Fender Damage
Bent, creased, or crumpled fenders.
Cracks, replacement needed
Insurance vs. out-of-pocket
Pay out of pocket
$330–1,000
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.