Expert: Mike Potter - 4/24/2008

Question
I drive a 2007 Ford Focus SE. I backed into a pole pulling out of a parking lot. No other cars were involved. The trunk was dented fairly significantly, but the lights and license plate were not damaged. The locking mechanism is unaffected and the trunk still closes fine. But should I file a claim? I have full coverage, but I was at fault in another accident last September. I'm concerned about my rates.

Answer
In Michigan, two at fault claims in a two year period will put you in high risk, but that's with a moving violation. Call your agent and ask about it. You didn't get a ticket so it would not be on your record.
Also, get an estimate from a good repair shop , if the damage is high, turn in a claim and if your rates go up, shop around for another insurance carrier. Sometimes, your current carrier will lower your rates to keep you, they want their money back.