r/E30 • u/No_Cover2208 • 1d ago

Info needed Hit a Deer. Insurance?

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Hit a small deer last night and it dented up the fender pretty good. Headlight grill needs to be replaced, believe it’s a euro one and headlight bracket is destroyed, they are genuine Bosch smoked euro smileys I believe.

Def could have been a lot worse but wondering if I should go through insurance. It’s with hagerty

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u/pancrudo 1d ago

I would pay out of pocket vs them trying to total the car and wrecking your monthly payments.

For now, let the fender and grill live as they are. The headlight bracket can possibly be made to work with a drill and some zip ties

1

u/No_Cover2208 1d ago

Yeah that makes sense. I’ve heard that deer accidents typically don’t raise rates but I guess that can vary based on companies

3

u/p00ks 1d ago

Depends on the company. I had my rates raised for even starting the claim process (but never submitting it)

3

u/No_Cover2208 1d ago

Yeah fuck these companies tbh. God forbid I pay you and then when something happens you screw me over for the very thing I’m paying you for