The cost to repaint the car bumper is about $250, assuming that there is no structural damage. Normally, your car may need repainting. Therefore, your insurance will pay you nothing ($500 deductible). But, if you claim, there will be a record in your insurance history, and every insurance will see it. It will make it hard for you to switch insurance company in the future, even though your current insurance company will not raise the rate.
Again, insurance is for something big (a few thousands of dollars, or cover other part's damage), not for a small damage like this.
Again, insurance is for something big (a few thousands of dollars, or cover other part's damage), not for a small damage like this.
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