Insurance cllaims

[superman]

Hey guys, my car slid and my door slammed into a concrete wall and the door is bent so its costing around 3000$ to repair...

if my insrance is 2000$ a year, and i claim this

how much do u think my insurance will go up?

 

[mmmburritos]

Find a good bodyshop and have it fixed for cash. It will save you a fortune in the long run.

This is what pisses me off about the insurance industry.... You pay these F&#$ers tonnes of money for a product you're afraid to use because they'll penalize you if you do. It's just plain wrong... Perhaps it makes the most sense to get liability coverage only, so you're legal, and take your chances with the rest.

 

[drstrangelove]

This is what pisses me off about the insurance industry.... You pay these F&#$ers tonnes of money for a product you're afraid to use because they'll penalize you if you do. It's just plain wrong... Perhaps it makes the most sense to get liability coverage only, so you're legal, and take your chances with the rest.

Depending on the car you drive. You'd be happy to have insurance if you totalled a new, expensive car.

Also, with no fault insurance, how to you protect yourself from accidents caused by other people? If that happens, your insurance company pay for your damage without raising your rates. Who pays if you don't have coverage?

 

[Cycleguy007]

Find a good bodyshop and have it fixed for cash. It will save you a fortune in the long run.

And they will likely give you a break on the price if they know you are paying cash! (Since they know it isn't an insurance job...)

Also MAKE SURE you go to a couple different places for quotes. You will find that they will vary greatly from place to place.

I had a similar situation with a fender and some minor body damage to the door last year... some a$$wipe hit me in a parking lot and took off... I had quotes from 5 different body shops- the highest was $1500- for a new fender etc, another for $1380, but then I started telling them it was a cash deal... the quotes came down dramatically- 2 for around $1000, 1 for $750. I finally got it done by getting a used fender (in perfect condition) for $100 from a wreckers, and had the $750 quote guy do the body work/ paint... for $300 cash. Good as new!

 

[tboy]

Depending on the car you drive. You'd be happy to have insurance if you totalled a new, expensive car.

Also, with no fault insurance, how to you protect yourself from accidents caused by other people? If that happens, your insurance company pay for your damage without raising your rates. Who pays if you don't have coverage?

the only way to protect yourself from bad drivers is to either not drive at all, or drive defensively.

With our current BS insurance system: your insurance pays for your damage, the other driver's pays for his, no matter who causes the accident. Yes, your rates will go up if you become a target and get hit often.

Many insurance companies now have accident forgiveness. Like if you get into 1 every 5 yrs it won't affect your status or rates. Start making claims every couple of months and your rates will skyrocket.