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Started By
Message
When to file an insurance claim?
Posted on 9/18/14 at 11:21 am
Posted on 9/18/14 at 11:21 am
My wife (no pics) ran into our garage door....yea i know
cost to fix the door is going to be like $1200 (door was $1500 new 2 years ago, go figure). Some scratches to the car, likely can be fixed easily (no body work).
I have a $500 deductible, is it worth it to file a claim if I am talking $1500 out of pocket?
cost to fix the door is going to be like $1200 (door was $1500 new 2 years ago, go figure). Some scratches to the car, likely can be fixed easily (no body work).
I have a $500 deductible, is it worth it to file a claim if I am talking $1500 out of pocket?
13
Posted on 9/18/14 at 11:21 am to CidCock
Now
Posted on 9/18/14 at 11:22 am to CidCock
quote:
My wife (no pics) ran into our garage door....yea i know
Posted on 9/18/14 at 11:22 am to Pectus
Looking for some insight, people that know insurance. Is that you pectus?
Posted on 9/18/14 at 11:23 am to CidCock
If you can pay, don't file
Don't even call in to inquire
Don't even call in to inquire
This post was edited on 9/18/14 at 11:24 am
Posted on 9/18/14 at 11:24 am to ThePoo
I mean, I can pay. But is saving $1000 not worth it?
Posted on 9/18/14 at 11:24 am to CidCock
pectus knows rock insurance, that's about it
Posted on 9/18/14 at 11:26 am to CidCock
That's why you have insurance, isn't it? I've made a few claims with no increases on my payments.
Posted on 9/18/14 at 11:26 am to CidCock
Don't file. Pay out of pocket. Spank wife.
Posted on 9/18/14 at 11:26 am to CidCock
quote:
My wife (no pics) ran into our garage door....yea i know
This post was edited on 9/18/14 at 11:28 am
Posted on 9/18/14 at 11:27 am to CidCock
Generally comp claims over $1000 and at fault accidents will get you a premium increase, and they stay on file for a minimum of 3 years... How much would you really be saving? Especially of there is an accident or ticket in the future
Posted on 9/18/14 at 11:27 am to CidCock
quote:
I have a $500 deductible, is it worth it to file a claim if I am talking $1500 out of pocket?
No, the insurance company is going to recoup that 1000 bucks
Posted on 9/18/14 at 11:29 am to sean5340
quote:
That's why you have insurance, isn't it? I've made a few claims with no increases on my payments.
Ummm no...
Posted on 9/18/14 at 11:29 am to CidCock
I wouldn't.
Posted on 9/18/14 at 11:30 am to CidCock
I wouldn't file
Posted on 9/18/14 at 11:31 am to sean5340
Damn love to know what auto company you are with that doesn't raise your premium on renewal after making several claims
Posted on 9/18/14 at 11:31 am to sean5340
I've hardly ever made a claim and that's why I've gotten steady decreases.
(Homeowners)
(Homeowners)
Posted on 9/18/14 at 11:32 am to ThePoo
quote:Hell they jack up my rates w/o claims
Damn love to know what auto company you are with that doesn't raise your premium on renewal after making several claims
Posted on 9/18/14 at 11:33 am to CidCock
that is a collision claim. Hell to the no.
Posted on 9/18/14 at 11:33 am to Phil A Sheo
quote:
Ummm no...
Yes
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