I have gotten mixed answers on this. Something came off a truck and made a small crack on front end of my car and also put a little gouge in front end. Normally i wouldnt care, its not that noticeable but I bought the car brand new a couple months ago, my first brand new car, and im just bummed about it.
I have comprehensive insurance with 100 deductible. Damage is probably near 700. I have progressive if that makes any difference.
Think its worth turning in or will my rate go up?
That being said, no so sure I'd risk using up my "accident forgiveness" over such a small amount. I would probably just end up paying out of pocket for the repair.
New car and you're already probably paying a high premium for the $100 deductible. Utilize it!
And if your rate did happen to go up next year due to this - which it shouldn't - shop around. There are better rates to be had if you need it.
It's why you have insurance, esp for a new car.
Auto insurance is highly regulated and whether or not the insurer will consider a payment to you under your comprehensive coverage will simply be a matter of what your state dpt of insurance currently permits (if they can, they will).
Your insurance agent should know the answer. I'd call first and ask. If you don't have an agent, I'd ask your insurance company directly - but I'd recommend getting their response in writing - and if you can't, then I'd send a confirming letter to them documenting what they told you (i.e. don't wait for your next policy renewal to send the letter - that will make it seem you are just "making it up" when you learned about the premium increase - send it now, right after speaking with them, and your letter will carry more weight if, later, you get hit with a premium increase).
Good luck. Dealing with insurers (of all kinds) is a royal PIA.
Bought the car new in Oct. This Sucks.
I'd also ask others who claim it will not impact your premium to tell us the basis of their statement. Do you have expertise (i.e. are you an auto insurance underwriter or work with dept of ins or an auto ins agent?) If you don't work in the field, then what is the basis of your statement and how confident are you it's accurate? Confident enough you'll agree to reimburse Mook if he follows your advice and then his carrier increases his rates?
I ended up deciding to not go through insurance
It's an important distinction. I recommend getting a definitive answer directly from Progressive but I'd want it in writing - which will probably be difficult to get. If it's verbal, it's completely worthless (and believe me when I tell you that the people you talk to at the insurance company won't all know the correct answer - I worked in the insurance industry for 40+ years).
if you got the license plate # of the truck owner they should pay for the damage to your car and your insurance company should be irrelevant.
My mother-in-law had something similar happen, but a chair fell out of a the back of a pick up truck loaded with stuff the owner was moving while driving on the highway and pretty much totaled her Prius, she didn't have to pay a cent, but the truck driver stopped.
unless I'm misunderstanding.
if you got the license plate # of the truck owner they should pay for the damage to your car and your insurance company should be irrelevant.
My mother-in-law had something similar happen, but a chair fell out of a the back of a pick up truck loaded with stuff the owner was moving while driving on the highway and pretty much totaled her Prius, she didn't have to pay a cent, but the truck driver stopped.
unless I'm misunderstanding.
All true if you indeed are able to get the information of the offending party and they cooperate. If not, it all goes under comprehensive.
This is in NJ. If I were you, I'd fix it out of pocket, as the potential for accumulated premium increase over the following years is likely to exceed the $700. I'm not a lawyer or insurance expert, but I had a ton of calls from angry people concerning higher than average rate increases (compared to other customers), and they had no-fault activity on their policy in the prior term.
This is in NJ. If I were you, I'd fix it out of pocket, as the potential for accumulated premium increase over the following years is likely to exceed the $700. I'm not a lawyer or insurance expert, but I had a ton of calls from angry people concerning higher than average rate increases (compared to other customers), and they had no-fault activity on their policy in the prior term.
8-9 years ago I was involved in an accident where a guy came zipping down an off ramp, ignoring a yield sign and I ended up rear ending him. It was unavoidable. The cop gave him a ticket for failure to yield.
State Farm didn't have to pay a nickle but his insurance paid $5K to fix my car. My rates stayed the same. (Florida)
Quote:
I worked in customer service for an auto insurance company during my college years and from what I noticed, ANY activity on the policy, regardless of who was at-fault or type of claim (collision or comp), ultimately impacted the future premiums. Except for windshield chip repair.
This is in NJ. If I were you, I'd fix it out of pocket, as the potential for accumulated premium increase over the following years is likely to exceed the $700. I'm not a lawyer or insurance expert, but I had a ton of calls from angry people concerning higher than average rate increases (compared to other customers), and they had no-fault activity on their policy in the prior term.
8-9 years ago I was involved in an accident where a guy came zipping down an off ramp, ignoring a yield sign and I ended up rear ending him. It was unavoidable. The cop gave him a ticket for failure to yield.
State Farm didn't have to pay a nickle but his insurance paid $5K to fix my car. My rates stayed the same. (Florida)
When it gets to the point that the police are issuing ticket(s) to one of the parties the insurance companies will usually find that definitive as to fault. If you consider that most rear end accidents probably involve a vehicle following too closely (otherwise they'd have time to stop) you don't see a police officers writing that up so to get to the point that ticket(s) is/are issued means something unusual.
I will tell you this though, after working with all the insurance co's for the last 24 years in my industry if you can get State Farm, USAA, Farmers or Nationwide for similar cost do it because Progressive sucks. I mean they blow when it comes to certain claims.
I will tell you this though, after working with all the insurance co's for the last 24 years in my industry if you can get State Farm, USAA, Farmers or Nationwide for similar cost do it because Progressive sucks. I mean they blow when it comes to certain claims.
Montana, you are so right. We bought a used car for cash last year. My daughter who was helping my wife when I was hospitalized chose Progressive. Wife and I are 57, no tickets/accidents. Progressive minimum coverage = $143 month. USAA = $85 with collision/comprehensive ($1000 ded. )!