Had a bit of a mishap last weekend—my garage door decided to pick a fight with my car bumper (spoiler alert: the door won). Nothing major, just some scratches and a small dent. I checked online, and it seems like I could probably fix it myself with one of those DIY kits. But then again, I pay insurance premiums for a reason, right?
Thing is, I'm worried if I file a claim, my premiums might go up or it'll be more hassle than it's worth. On the other hand, I'm not exactly Bob the Builder here... last time I tried DIY repairs, let's just say things didn't exactly go according to plan, haha.
Curious if others have been in this spot—did you end up going through insurance or just rolled up your sleeves and tackled it yourself? Would love to hear how it turned out either way.
"Thing is, I'm worried if I file a claim, my premiums might go up or it'll be more hassle than it's worth."
Yeah, that's exactly why I usually steer clear of insurance for minor stuff. Had a similar run-in with my mailbox last year (don't ask...), and after crunching the numbers, it just wasn't worth the premium hike. DIY kits can be hit or miss though—maybe check some YouTube reviews first? Saved me from a few headaches in the past.
I get the hesitation, but honestly, skipping insurance isn't always the smartest move—even for minor stuff. Had a tenant last year who dinged up their garage door and decided to DIY it. Looked decent at first glance, but ended up causing alignment issues later on, costing way more than if they'd just filed a claim from the start. Premium hikes aren't guaranteed either; depends on your history and provider. Might be worth at least calling your agent to run the numbers before committing either way...
"Premium hikes aren't guaranteed either; depends on your history and provider."
True, but even a small claim can stick around on your record for years. Personally, I'd rather save insurance for bigger stuff and just find a reliable handyman for minor fixes—usually cheaper and less hassle in the long run.
