* Your own insurance: If you have collision coverage, your insurance will likely cover the repair, minus your deductible. However, you might have to file a claim and your premiums could increase.
* The other person's insurance: If someone else caused the dent, their insurance company is responsible for the repairs, provided you can prove their liability.
* The other person directly: If the other person admits fault and agrees to pay for the repairs, they might pay you directly. This is less common and generally only works for minor dents.
* You: If the dent is your fault and you don't have collision insurance, you'll be responsible for the cost of repair.
* No one: If the cause of the dent is unknown or unprovable, you'll likely have to pay for the repairs yourself.
In short, determining who pays requires investigating the cause of the dent and the insurance coverage involved.
