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re: When to file an insurance claim?
Posted on 9/18/14 at 11:33 am to CidCock
Posted on 9/18/14 at 11:33 am to CidCock
I'm an insurance agent. I wouldn't. If it was less to fix the door, I might. Also, see about lowering your comprehensive deductibles. Everyone I quote, I offer a zero deductible for comprehensive. The difference is usually very small and saves the pain when, inevitably, it's time to replace a windshield.
ETA: This would be more likely a homeowners claim, anyway.
ETA: This would be more likely a homeowners claim, anyway.
This post was edited on 9/18/14 at 11:37 am
2
Posted on 9/18/14 at 11:34 am to VetteGuy
As far as homeowners claim go most are wind or storm related which shouldn't be held against you
However decreases are pretty rare no matter the circumstance unless you change coverage so consider yourself one of the lucky ones
However decreases are pretty rare no matter the circumstance unless you change coverage so consider yourself one of the lucky ones
Posted on 9/18/14 at 11:34 am to ThePoo
quote:
Damn love to know what auto company you are with that doesn't raise your premium on renewal after making several claims
State Farm for 29 years.
Posted on 9/18/14 at 11:34 am to FT
quote:
I'm an insurance agent.
quote:
see about lowering your comprehensive deductibles.
Posted on 9/18/14 at 11:34 am to CidCock
quote:
I have a $500 deductible
home or auto?
This will stay on your record for a few years, could slightly raise your rates. its up to you, at least you arent just slightly over your deductible. I see $1100-1200 claims with 1k ded's all the time. people are idiots
Posted on 9/18/14 at 11:35 am to FT
Some companies offer separate $0 glass deductibles as well
Posted on 9/18/14 at 11:36 am to ThePoo
quote:My company doesn't, but if it's just a little crack in the glass, we'll repair it for free before it gets big.
Some companies offer separate $0 glass deductibles as well
Posted on 9/18/14 at 11:36 am to sean5340
Well then you should be saving tons of money with them assuming you have everything bundled
Hard to beat an old bundled State Farm policy
Hard to beat an old bundled State Farm policy
Posted on 9/18/14 at 11:37 am to CidCock
quote:
My wife (no pics) ran into our garage door
She's gotta be hot! Blonde?
Posted on 9/18/14 at 11:38 am to ThePoo
quote:
Hard to beat an old bundled State Farm policy
his a-hole will be cremated when he learns him some 5% deductible.
Posted on 9/18/14 at 11:38 am to ThePoo
quote:They're pretty easy to beat on Homeowners, I've found. That 5% mandatory hurricane deductible is scaring people off.
Hard to beat an old bundled State Farm policy
Posted on 9/18/14 at 11:38 am to Chad504boy
5% and no decrease in premium 
Posted on 9/18/14 at 11:39 am to ThePoo
Chubb. 
And why does anyone have a $500 deductible?
And why does anyone have a $500 deductible?
Posted on 9/18/14 at 11:39 am to sean5340
quote:
State Farm for 29 years.
Calling bullshite now.. b/c they're one of the worst at raising rates due to claims
Posted on 9/18/14 at 11:39 am to FT
$500 on auto, I'm told it would be a vehicle claim.
Posted on 9/18/14 at 11:40 am to ThePoo
quote:
5% and 9% average increase in premium
frick State farm and all the blow hards that think they are with some glorious company.
Posted on 9/18/14 at 11:40 am to CidCock
quote:
$500 on auto, I'm told it would be a vehicle claim.
Posted on 9/18/14 at 11:40 am to CidCock
A little more info - we had a claim a little less than 3 years ago (33 months).
It was "no fault" for whatever that's worth. My wife's old car (trend here), rolled into someone elses car down the hill at work (she wasnt in it). She did not have it in gear, at least not fully (manual).
It was "no fault" for whatever that's worth. My wife's old car (trend here), rolled into someone elses car down the hill at work (she wasnt in it). She did not have it in gear, at least not fully (manual).
Posted on 9/18/14 at 11:40 am to FT
Homeowners is relatively easy to beat if they aren't tri-bundled
Because you can cream their home but what they lose on the back end by losing discounts doesn't make it worth it for the older policies a lot of time
But I do know a ton of people are pissed about the 5% and are even taking higher premiums to get away from that atrocious deductible
Because you can cream their home but what they lose on the back end by losing discounts doesn't make it worth it for the older policies a lot of time
But I do know a ton of people are pissed about the 5% and are even taking higher premiums to get away from that atrocious deductible
Posted on 9/18/14 at 11:41 am to CidCock
quote:
$500 on auto, I'm told it would be a vehicle claim.
You don't want to file a collision claim just to get a little over $1000 bucks. Best case scenario, you break even over the next 3 years. Worst case scenario, you actually have a real accident and that will be the 2nd one on ya'll s record.
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