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Should I call my auto insurance?

This afternoon, I was at a gas station and I backed my 2003 Pontiac mini van into a concrete barrier very hard. The left rear bumper is falling off, the hatch is dented fairly bad in the corner so it is difficult to open (that dent is about 4 inches in diameter but very deep) and the side with an automatic door has two shallow dents about a foot across. One of my taillights chipped on the side but didn't crack or shatter. No broken glass or anything. The plastic bumper is cracked in a few places, and has red paint all over over it from the barrier. the doors still work (excepting that the hatch catches on the taillight area), no electronic or mechanical issues, just body damage. The question is, should I call insurance? I am almost 17 and I've had my license for about 6 months. Roughly how much would the body work cost, since my insurance with AARP is sure to go up dramatically? Or would I want to play it safe and place a claim? My parents know all about it, and it was a total accident (I missed the brake pedal and hit the accelerator). Just looking for the way that will cost me less in the long run. Thank you for your help.

   








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This afternoon, I was at a gas station and I backed my 2003 Pontiac mini van into a concrete barrier very hard. The left rear bumper is falling off, the hatch is dented fairly bad in the corner so it is difficult to open (that dent is about 4 inches in diameter but very deep) and the side with an automatic door has two shallow dents about a foot across. One of my taillights chipped on the side but didn't crack or shatter. No broken glass or anything. The plastic bumper is cracked in a few places, and has red paint all over over it from the barrier. the doors still work (excepting that the hatch catches on the taillight area), no electronic or mechanical issues, just body damage. The question is, should I call insurance? I am almost 17 and I've had my license for about 6 months. Roughly how much would the body work cost, since my insurance with AARP is sure to go up dramatically? Or would I want to play it safe and place a claim? My parents know all about it, and it was a total accident (I missed the brake pedal and hit the accelerator). Just looking for the way that will cost me less in the long run. Thank you for your help.


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This afternoon, I was at a gas station and I backed my 2003 Pontiac mini van into a concrete barrier very hard. The left rear bumper is falling off, the hatch is dented fairly bad in the corner so it is difficult to open (that dent is about 4 inches in diameter but very deep) and the side with an automatic door has two shallow dents about a foot across. One of my taillights chipped on the side but didn't crack or shatter. No broken glass or anything. The plastic bumper is cracked in a few places, and has red paint all over over it from the barrier. the doors still work (excepting that the hatch catches on the taillight area), no electronic or mechanical issues, just body damage. The question is, should I call insurance? I am almost 17 and I've had my license for about 6 months. Roughly how much would the body work cost, since my insurance with AARP is sure to go up dramatically? Or would I want to play it safe and place a claim? My parents know all about it, and it was a total accident (I missed the brake pedal and hit the accelerator). Just looking for the way that will cost me less in the long run. Thank you for your help.


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This afternoon, I was at a gas station and I backed my 2003 Pontiac mini van into a concrete barrier very hard. The left rear bumper is falling off, the hatch is dented fairly bad in the corner so it is difficult to open (that dent is about 4 inches in diameter but very deep) and the side with an automatic door has two shallow dents about a foot across. One of my taillights chipped on the side but didn't crack or shatter. No broken glass or anything. The plastic bumper is cracked in a few places, and has red paint all over over it from the barrier. the doors still work (excepting that the hatch catches on the taillight area), no electronic or mechanical issues, just body damage. The question is, should I call insurance? I am almost 17 and I've had my license for about 6 months. Roughly how much would the body work cost, since my insurance with AARP is sure to go up dramatically? Or would I want to play it safe and place a claim? My parents know all about it, and it was a total accident (I missed the brake pedal and hit the accelerator). Just looking for the way that will cost me less in the long run. Thank you for your help.