Frame Damage
Structural — needs measurement on a frame rack. Often a total-loss trigger.
Structural damage warning. Frame work needs proper measurement on a frame rack. In many cases insurance will declare the vehicle a total loss — get an independent estimate before agreeing to anything.
Surface scuffs, light dents
Insurance vs. out-of-pocket
Pay out of pocket
$198–600
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.