EPTThough mine was a bit smaller than your bump.
Car Damage; Insurance Claim; Etc - Page 2
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King K. Rool
Canada4408 Posts
Though mine was a bit smaller than your bump. | ||
micronesia
United States24755 Posts
The hit to my car was apparently a bit more severe than it seemed from the damage. | ||
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rainei
Canada1316 Posts
It's the insurance companies job to fix EVERYTHING that was damaged, since it was a hit and run and you are not at fault or anything. Nothing else. You don't need to think of ideas to help save money for the bodyshop, you just make sure everything is done with OEM parts and paintwork is good etc. | ||
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micronesia
United States24755 Posts
On November 27 2010 05:27 rainei wrote: Basically, all you have to do, is pay the deductible. It's the insurance companies job to fix EVERYTHING that was damaged, since it was a hit and run and you are not at fault or anything. Nothing else. You don't need to think of ideas to help save money for the bodyshop, you just make sure everything is done with OEM parts and paintwork is good etc. Good advice. This is pretty much exactly how things worked out. The only concern is the more money the insurance company pays out the more impatient they are going to be about not raising my rates if future events occur (even those that are not my fault again) :< | ||
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Kralic
Canada2628 Posts
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micronesia
United States24755 Posts
On November 27 2010 05:37 Kralic wrote: Do they actually keep tabs on you that closely as to what you really costed them? They probably just have a system where they mark off you had a claim, paid your deductible and were on your way. Your rates will always increase if you make a claim, no matter what the cost was. I don't know exactly to what extent they keep track of the specifics. However they don't automatically increase your rates if you make a claim. They will increase your rates whenever you are considered an increased risk... and one accident where you car was parked and you weren't at fault isn't necessarily enough to consider you a bigger liability... depends on the policy of each individual insurance company though. | ||
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Kralic
Canada2628 Posts
On November 27 2010 05:40 micronesia wrote: I don't know exactly to what extent they keep track of the specifics. However they don't automatically increase your rates if you make a claim. They will increase your rates whenever you are considered an increased risk... and one accident where you car was parked and you weren't at fault isn't necessarily enough to consider you a bigger liability... depends on the policy of each individual insurance company though. Yeah didn't mean to make it sound like one claim will increase your rates. For my insurance they factor in traffic offenses into how much plates and insurance costs(They also give a discount on having a clean driving record every year). I know if my car got into an accident I would want it fixed, can't stand knowing something is broken on it(stone chips and paint scratches I will wait on until I need to repaint the car due to an accident). | ||
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