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Smart Shopper Questions About Auto Insurance & Accidents
4422 messages, Last post on Dec 04, 2009 at 6:46 PM
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| Kinley - interesting option. One dealer was trying to explain that to me - good to hear it from a second source. Will check it out. | |
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Hi. I'm 17, a guy, and I drive a 1997 Kia Sephia. I rearended my friend's car. He drives a 2002 Hyundai SantaFe. I was driving to my another friend's house and as I was driving up to park on the road that runs by his house I was slowing down and my brakes locked up. As a result I rearended my friend's SanteFe, which was parked and not moving. I tried to turn to not hit his car after the brakes locked up, but I still hit his bumper. Since his car is an SUV, its bumper is higher than mine. His car only has damage on the left side of his rear bumper. My car has a lot more damage...The right of my front bumper is damaged, I smashed my front right headlight, and the front of my right front fender is damaged. This is probably going to cost me a lot of money. I'm wondering what would be better to do. I have several witnesses that his car wasn't moving and all. If I claim with my insurance (Geico), I'm worried that my premiums will skyrocket. I have a decent deductable, I can't remember how much it is. If I dont claim with my insurance I'll have to pay for all the repairs out of my own pocket. His repirs wont be too bad, but I know mine will be expensive. What do you think is better to do? File with insurance or just pay out of my own pocket? Thanks. |
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Hi metromel1. Sorry to hear about your accident. If you act quickly, you should have time to get an estimate for the repairs to both of these vehicles prior to making your decision on whether to claim the accident on your insurance policy. I personally try to avoid claiming accidents on my insurance if it is at all possible. Of course, once the repair costs approach thousands of dollars, not filing a claim is not very realistic. I do live in a state with unbelievably high auto insurance costs, though. Once you have the estimates, you will be better able to make your decision. Car_man Host Smart Shoppers / FWI Message Boards |
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| your insurance premium should be higher. So as long as your premium should be higher you might as well use your policy to pay for your damage and continue to pay higher premiums for you are a higher risk driver. | |
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typical insurance agent talking: "Yes, file the claim because then we can charge you more for insurance, and I'll get bigger commissions!" That's essentially what you're saying. |
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I live in TX, by the way. My insurance isn't too expensive compared to some states, but it is higher than my dad's I don't drive a fast car or anything, so that keeps my premiums down. I checked out two body shop places. I still need to check out some other places for their estimates. One said $800. The other said $1200. The second place was scamming me on the estimate. They want to inspect/repair the right door, mirror, hood, door molding, etc... All things that are fine and were not affected my the accident. I bought a OEM Kia right headlight off eBay for $27. Compared to the quoted price of $250 for the same exact thing. I only have to pay for installation and I'll just have to see which place charges the least. And for my friends SantaFe, he hasnt gotten back to me on it, but I'm thinking about $200, depending on where he goes. Thanks for responding. |
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This is the second discussion where you are making personal comments towardds other members that I am posting a warning. If you're not in a good mood, please do not post until you are calm enough to make constructive comments. kcram Host Smart Shopper and FWI Message Boards |
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Oh, I get it. In the other forum, Timmy took a shot at me, but you let it go. I shoot back and now I'm the bad guy? Whatever. As for kinley, we all know he's an insurance salesman. The guy that started this forum asked us what the best (meaning least expensive) thing for him to do was. Most people gave good advice, then kinley rolls along and tells him that he's obviously a bad driver, so he should report it so his ins. company can up his premiums accordingly. I don't know about you, but I don't call that giving him good advice. So I call kinley on it and once again, I'm the bad guy? |
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You still have no justification to make comments about other members because you do not agree with their advice. Instead of a potshot at kinley's occupation, why not politely offer an alternative, or ask why he made that recommendation. You didn't "call kinley on it" - you made an intentional dig at what YOU thought were his motives, without any constructive debate. I didn't delete your post, hungrywhale - I warned you. There's no reason to light the matches that lead to flame wars. kcram Host Smart Shopper and FWI Message Boards |
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But you deleted the other one. Yet you left Timmy's "maybe you should get a puppy" post in there. Nice double standard you've got there. |
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