say someone backs into your car in a parking lot and you report it to your insurance. Would they ever raise your rates and consider it an at fault? Or would you have to pay the deductible (obviously) but it not be considered at fault?

This post was edited on 3/16/17 at 1:27 am

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Posted by agdoctor

Louisiana

Member since Dec 2004

3142 posts

Posted on 3/16/17 at 6:33 am to el duderino III

Depends on the insurance company. I have repairs there were not my fault and premium didn't change. I no other people that have. My advice is if repairs aren't much over the deductible to pay for it yourself. If they are file a claim that's why you buy it. Oh and figure out the money part without the insurance company help. If you start a claim it makes no difference if you complete the repairs and don't use any insurance money it still counts as a claim.

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Posted by Geauxld Finger

Baton Rouge

Member since Jan 2005

31667 posts

Posted on 3/16/17 at 6:56 am to el duderino III

They will raise your rates regardless

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Posted by Zephyrius

Wharton, La.

Member since Dec 2004

7929 posts

Posted on 3/16/17 at 7:22 am to agdoctor

quote:
Depends on the insurance company.

I don't believe State Farm will raise the rate unless you have multiple within a certain time period.

I wish underwriting of insurance companies were more up front on what claims will raise rates and which will not. For instance, some companies will not raise your rate if at fault but the damage is below $1k.

This post was edited on 3/16/17 at 7:24 am

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Posted by CaptainsWafer

TD Platinum Member

Member since Feb 2006

58304 posts

Posted on 3/16/17 at 8:14 am to el duderino III

So instead of dealing with an actual accident you're going to try and report a parking lot accident for the same damages in order to avoid raising your rates?

Insurance fraud, baw.

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