Should i claim insurance?

[SAV912]

Originally Posted by caineroad

a blown bulb won't cost $180, is the labour that kills $106/hr at my toyota dealership, plus if I get one bulb replaced, might as well change other bulbs(interior) hence the extra cost

The insurance is not going to cover blown bulbs. Lightbulbs, like tires, belts and all other maintenance items are considered wear items. Buy the tiny parking light bulb (any 194 wedge will do), pop your hood, replace the bulb and you'll be done with that. Savings of $178 and your insurance won't be at as much risk of going up in the future for 'bogus' claims.

The dealership is, like most anything else, a business. They charge you for an hour of labor to do two minutes of work. Moreover, if this was an expensive car, I'd understand your concerns, but filing claims like this at the end of 'planned' ownership on a Yaris is not going to net you coming out ahead in the long run. A Yaris in good condition in two years might sticker for $6500 or so, vs one with some bumps and bruises for $5000. I guess in your case it would depend on the severity of the roof and door dents. Are they relatively minor or what? From what it sounds like, I wouldn't bother at all with claiming on insurance at the other end. It seems like an unnecessary risk. File as soon as they happen, if it's that big of a deal.

-C