Whatchu talkin bout Willis? He said he isn’t sure if his bumper is cracked or not. If it is then he’s looking at a decent bill to get a new skin with paint. Either way it would be worth a phone call to find out if his premium will go up if he claimed it. Either way, like you mentioned, if he has a $100 dollar deductible he’s probably paying for it. So if he’s not going to claim something under, say, $500 then he should really change to a policy with a higher deductible and lower premium. :shrug: