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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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YOu tell me what he's saying then: "Because the accident was only your fault 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." To me, that sounds like he's saying "It's your fault, so you SHOULD turn it in because your premiums SHOULD be higher - you're a bad driver." Doesn't sound real constructive to me. How about you? |
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hungrywhale, you are putting words in others' mouths. "To me, that sounds like he's saying" still represents YOUR interpretation. Where's YOUR advice to metromel1? What do YOU think Mel should do if you feel kinley's advice is so poor? The idea of debate is to counter with another opinion, not to criticize someone else's comments. kcram Host Smart Shopper and FWI Message Boards |
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| I think he should get estimates on what it would cost to fix and probably pay out of pocket for it if he can afford it. I think we all know that most insurance companies will make you pay far more in the long run if you turn it in vs. not reporting it - they've got to recoup the money they gave you and still make a profit on top of it. | |
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The way I look at insurance is this: I only have auto insurance for a bad wreck or if my car is stolen. Basically for the stuff I couldn't afford to pay myself. |
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I personally agree with hungrywhale's thoughts on auto insurance. I know that I would never claim an accident on my insurance policy if it was avoidable, as long as the cost to repair my vehicle out of my own pocket was not prohibitive. Of course, instances such as multiple party accidents where both parties can not agree to handle things without going through insurance, accidents with extremely expensive repairs, or if your vehicle is stolen where filing an insurance claim is definitely the way to go. Car_man Host Smart Shoppers / FWI Message Boards |
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| 1. Brakes don't lock up without the driver's help. Had the accident been seen by a policeman, a ticket would have been issued not to the locked brakes, but to the driver. It was never revealed the other car was vacant. Only stopped. When the other car is occupied, there is possibility of future bodily injury claims. Should a B.I. claim appear several months after the crash,the insurance carrier may say no coverage because the insured violated the terms and conditions of his policy by not reporting the accident within a reasonable period of time. (So, you might as well report the crash and get your collision damage covered at the same time.) When the other vehicle is occupied, report the crash to the company enabling their professionals to control the loss. Accept responsiblity for your actions and don't try to blame the brakes or black ice,etc. | |
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Facts: insurance company: Encompass Insurance (CNA) 1.) Clean driving record. 2.) No collision claim for well over 7 years. 3.) One comprehensive claim, last October (hit a deer) for $2,800.00. Question: A stone thrown from the wheels of a big rig, cracked my windshield. I got two estimates for replacement. Safelite- $287.90 Cindy Rowe- $387.25 I have a $100.00 deductible on my comprehensive coverage. From a Insurance Renewal standpoint, will two comprehensive claims in less than a year send up a red flag with Encompass's Insurance under-writers? Respectfully, Larry |
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That the only claims that count against you are the moving violation/collisions. But that may just be my ins. company. |
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Thank you for expressing your opinion. I was concerned with how the 9/11 insurance repercussions might effect insurance renewal. Is it possible that Encompass Insurance might drop me for the frequency of my comprehensive claims, if I submitted a claim for my cracked windshield. (a total of 2 in less than 8 months)? I called my agent at The Berkshire Agency in Reading PA., and she was kinda non-committal, however they did not discourage me from submitting the claim? -Larry |
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| I'm not in the insurance biz. Do you have an agent that you use? If so, call him/her and ask before doing anything. Any good agent will give you a straight answer. | |
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