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Does car insurance cover the bumper?

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Things to remember...

  • If you damage your bumper in an accident, fault allocation helps determine who pays for the repairs
  • If you have collision coverage under your policy, you’ll have coverage for your bumper after an at-fault accident
  • When you’re the victim of the accident, it’s the other party’s insurance company that pays for repairs
  • Insurance companies will total vehicles out when the bumper repairs cost more than the car’s value itself
  • It’s common for insurers to pay for aftermarket parts to save money on the repairs

One of the first things that gets damaged in a car accident is the bumper. In fact, this position is where the bumper got its name.

If you’re in even a minor car accident where the front end of your car collides with another object, you can expect at least a dent or a scrape. As small as the damage might appear to the naked eye, repairing bumpers can get costly.

The best thing that any vehicle owner can do is put aside a small amount of money out of every paycheck so that they can cover their vehicle repairs. All cars require maintenance and even the best cars breakdown.

Mechanical repair costs can’t be avoided but accident-related expenses can be.

Compare car insurance quotes by entering your zip code into our free rate tool above.

How much does it cost to fix a bumper?

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The cost of your bumper is dependent on the type of car that you own and the model year. It might cost significantly less to replace the bumper of an older model because the materials used to manufacture the bumper aren’t as advanced or expensive.

On average, it will cost between $400 and $1000 to replace just a bumper. Some of the different factors that will influence the cost include:

  • Year, make, model of the vehicle
  • Material of the bumper
  • Cost of the car’s original paint job
  • Whether the bumper was made by an aftermarket parts manufacturer or the original manufacturer
  • Cost of headlights, the frame of the car, and other vehicle components can drive up the price

The Bumper Protects Key Components Under the Hood

The average repair costs above may sound high but they could be even higher than that if you didn’t have a bumper at all.

While it may add to a car’s appearance, a bumper serves an important protective purpose when you get into a collision. Modern bumpers are made of rubber, fiberglass, and other materials that absorb kinetic energy.

The horizontal bar that’s fixed across the front of your vehicle is designed to absorb the impact of a crash so that the frame of the car and other mechanical components under the hood aren’t damaged.

In older models, cars have a chrome bumper that did nothing more than tear into other vehicles. Now, the Federal government has a mandate in place that says that all bumpers on modern vehicles must absorb the impact of a five mile per hour crash.

Is your bumper covered under your own auto policy?

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Not everyone has an extra $1000 to pay for a new bumper when theirs is dented or mangled in an accident. It’s so important for you to understand what your policy covers and what it doesn’t.

A standard policy isn’t guaranteed to pay for your bumper replacement unless you have some optional forms of coverage added.

For your own auto policy to pay for your new bumper and its paint job, you will need to carry comprehensive and collision under your auto policy.

Each of these physical damage coverage types pays for repair bills and replacement parts but there are always restrictions and limitations. The limitations are all applied on a case-specific basis.

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When will your insurer pay for the repairs?

If you have collision and you’re involved in an accident, it’s likely that your insurer will pay to replace your bumper. Typically, you’ll file a claim against your own collision insurance when you’re the one who is found to be responsible for the accident.

As the at-fault driver, you must have physical damage coverage or your damage isn’t covered.

What happens when the other party doesn’t have insurance?

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There are a few unique scenarios where your own policy will wind up paying for your bumper even when you’re not the at-fault driver. If you have full coverage and an uninsured driver hits you, you can file a claim against your collision coverage.

The same applies when you’re in a hit-and-run accident and can’t identify the driver.

When you’re forced to file a claim against collision after a hit-and-run accident, you are still responsible for your deductible. If you’ve elected to carry an optional coverage called Uninsured Motorist Property Damage, you can waive your deductible.

UMPD also pays up to $3500 for repairs if you choose not to carry collision on an older car.

Are there repair cost limitations?

Anytime you file a claim for physical damage, you need to be sure that the repairs are going to exceed your deductible. If the deductible is higher than the estimated costs, there’s no point in filing a claim. Whatever you carry will be deducted from your claims check.

Insurance companies always have to put limitations on how much they will pay for repairs or they would be out of business.

Under your policy, the insurer technically only has to pay up to your car’s fair market value.

If the cost exceeds that number, the car is totaled. It defeats the purpose of carrying full coverage on older cars.

What type of parts will your insurer pay for?

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If you file an insurance claim, you have to review disclosures in your policy to see what kind of parts are going to be used. The best option is to used Original Equipment Manufacturer parts, especially since using a low-grade bumper could put you at risk.

If your insurer is trying to use aftermarket parts, do your research before accepting the claim.

Your insurance provider will cover your bumper if you have the right forms of protection. If you’re not to blame for the accident, the other driver’s insurance will pay for all of your repairs.

Make sure that you have the right level of protection before you secure a new policy. Get instant auto quotes online today and price the cost of full coverage to see if it’s worth it.

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