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Car insurance question
Posted on 10/19/23 at 9:06 am
Posted on 10/19/23 at 9:06 am
My wife ran into someone the other day. The person she hit left the scene. The cops said they could do a report, but she would be at fault. Here is my question. How much should I expect my premium to increase in two months when it renews? 10%, 50%? The estimates I received so far is $3,000, but they expect that to go up once they remove the bumper. I am trying to decide whether to file ($500 deductible) or pay out of pocket. Has anyone crashed lately and had to renew with Progressive? Thanks.
This post was edited on 10/19/23 at 9:08 am
15
Posted on 10/19/23 at 9:07 am to TDTOM
Cops don’t determine liability. What happened? And was this in Louisiana?
Posted on 10/19/23 at 9:08 am to TDTOM
If you can afford to pay out of pocket then pay out of pocket
Posted on 10/19/23 at 9:13 am to SG_Geaux
Might be cheaper to pay out of pocket than to deal with the premium hikes that will continue for 5-7 years.
Posted on 10/19/23 at 9:13 am to dakarx
quote:
Might be cheaper to pay out of pocket than to deal with the premium hikes that will continue for 5-7 years.
Posted on 10/19/23 at 9:15 am to TDTOM
First off don't tell the insurance your wife ran into someone. if anything claim they ran into your wife and fled the scene. Hit and Run.
Posted on 10/19/23 at 9:16 am to TDTOM
quote:
I am trying to decide whether to file ($500 deductible) or pay out of pocket.
The actual bill will be 50-100% higher than the initial estimate.
Posted on 10/19/23 at 9:16 am to TDsngumbo
quote:
And was this in Louisiana?
Yes
quote:
What happened?
She was attempting to get into the left lane to get around a stalled car. The car in front of her stopped for no reason (green light) as she was merging, and she hit him on the passenger side rear bumper. Air bags did not deploy.
Posted on 10/19/23 at 9:17 am to sidewalkside
quote:
First off don't tell the insurance your wife ran into someone. if anything claim they ran into your wife and fled the scene. Hit and Run.
Well, there is video at that intersection. I am going to pass on the whole insurance fraud thing.
Posted on 10/19/23 at 9:18 am to TDTOM
quote:
My wife ran into someone the other day. The person she hit left the scene. The cops said they could do a report, but she would be at fault
He may put her as vehicle #1 but you should dispute the absolute shite out of that. If there's no one there to corroborate the story, no way to determine who was at fault.
Also, she definitely it someone with warrants
Posted on 10/19/23 at 9:21 am to TheSadvocate
quote:
If there's no one there to corroborate the story, no way to determine who was at fault.
Video?
Posted on 10/19/23 at 9:24 am to TDTOM
Sounds like the hit and run vehicle created a sudden emergency that your wife could not avoid. Progressive should put fault on the other vehicle
Posted on 10/19/23 at 9:32 am to TheSadvocate
quote:
Also, she definitely it someone with warrants
THIS
Posted on 10/19/23 at 9:33 am to TDTOM
quote:
Well, there is video at that intersection.
The insurance company would need to subpoena the footage (if there even is any) - not going to happen in this case
quote:
I am going to pass on the whole insurance fraud thing.
Absolutely. If the claim rep you get has any experience whatsoever, they will quickly be able to tell that whatever sorry you make up doesnt make sense.
Posted on 10/19/23 at 9:38 am to TDTOM
quote:
She was attempting to get into the left lane to get around a stalled car. The car in front of her stopped for no reason (green light) as she was merging, and she hit him on the passenger side rear bumper. Air bags did not deploy.
My experience, if you rear end someone you’re typically considered at fault.
Posted on 10/19/23 at 9:38 am to TDTOM
I learned something the hard way a couple years ago.
If there isn’t major damage, even if you have to take a loan out from the bank and it take 2 years to pay it off, do that.
Whatever you do and I’m 100% not joking, do not put it on your insurance
You will come out way ahead paying the loan off than what your monthly pay will be on insurance
If there isn’t major damage, even if you have to take a loan out from the bank and it take 2 years to pay it off, do that.
Whatever you do and I’m 100% not joking, do not put it on your insurance
You will come out way ahead paying the loan off than what your monthly pay will be on insurance
Posted on 10/19/23 at 9:41 am to TDTOM
quote:
I am going to pass on the whole insurance fraud thing.
While I admire your conscience, you can in good conscience tell what happened without lying.
Car was stalled.
While going around it, made contact with another car which speed away without stopping.
ABSOLUTE TRUTH without admitting any fault.
This post was edited on 10/19/23 at 9:43 am
Posted on 10/19/23 at 9:42 am to Fat and Happy
yet another reason we left Louisiana Auto insurance is the worst
Posted on 10/19/23 at 9:46 am to TDTOM
Percentage increases don't tell us anything if you don't share your current insurance premiums.
Posted on 10/19/23 at 9:48 am to TDTOM
quote:
Well, there is video at that intersection. I am going to pass on the whole insurance fraud thing.
They will not pull the video for an accident believe me I tried this in 2018 and was told by police and insurance company they will not do it.
Maybe if it's bad enough they will?
This post was edited on 10/19/23 at 9:49 am
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