Insurance Question
#1
Insurance Question
Had a minor fender bender in august, damaging my lower rear quarter panel driver side. I reported the claim with my insurance but turns out my deductible is $1000 and the damage was only a few hundred. So it still has not been fixed and an adjuster never came to look at it, to my knowledge. Now, a few days ago someone swiped my passenger side quarter in a parking lot causing about $800-1000 in damage. No insurance info or anything cause the person was gone when I came out. If I file a new claim for this incident, would I have to pay my $1000 deductible twice to fix both damages for both claims, or only once and fix everything.
#3
Suzuka Master
iTrader: (1)
If the insurance agent is doing their job, it would require 2 deductibles, 2 separate claims, and also Comprehensive will not cover this type of damage. Comp will cover damage from fire, hail, flood, vandalism, theft and striking an animal.
If you try and report the damage is from one encounter and caught, insurance fraud.
Good luck
If you try and report the damage is from one encounter and caught, insurance fraud.
Good luck
#4
Instructor
If the insurance agent is doing their job, it would require 2 deductibles, 2 separate claims, and also Comprehensive will not cover this type of damage. Comp will cover damage from fire, hail, flood, vandalism, theft and striking an animal.
If you try and report the damage is from one encounter and caught, insurance fraud.
Good luck
If you try and report the damage is from one encounter and caught, insurance fraud.
Good luck
#6
If the insurance agent is doing their job, it would require 2 deductibles, 2 separate claims, and also Comprehensive will not cover this type of damage. Comp will cover damage from fire, hail, flood, vandalism, theft and striking an animal.
If you try and report the damage is from one encounter and caught, insurance fraud.
Good luck
If you try and report the damage is from one encounter and caught, insurance fraud.
Good luck
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#8
the overexplainer
strange..my deduct i think is 500 and i'm only paying a little more than you monthly. I also drive about 100 miles a day at least. Been at-fault in any prior accidents?
#10
the overexplainer
AAA, total premium of 2445. zero accidents (at fault or not), and no tickets. persistency, good driver and anti theft discount. 30k miles annual est.
#12
Instructor
Wow that seems high.
I'm 24, have a $500 deductible, I even have one fender bender in which I was at fault and I pay about $98 a month through Geico. (Geico was the cheapest by quite a bit for me.)
I'm 24, have a $500 deductible, I even have one fender bender in which I was at fault and I pay about $98 a month through Geico. (Geico was the cheapest by quite a bit for me.)
#13
the overexplainer
premiums will drop once i hit 25. Also i'm driving almost triple the mileage the average person drives.
98 sounds too cheap to be comprehensive. Is it?
98 sounds too cheap to be comprehensive. Is it?
Last edited by ez12a; 03-29-2011 at 01:29 PM.
#14
Instructor
Oh and I forgot to mention my mileage. I believe I said 9-12k a year, so not too much. I'm also in a suburb which helps.
#15
Instructor
24 year old with 1 minor fender bender like 5 years ago, driving 9-12k a year, located in a suburb.
I pay $98 a month.
#17
Instructor
Yea I was very pleased with my rate.
I don't know if this may be helpful for you, but it appears I'm getting the following discounts through Geico.
5 year good driver (I'm assuming my 1 minor fender bender was either now beyond 5 years, or was such a minor amount of damage that it doesn't count. I remember them specifically looking into how much damage resulted.)
Passive Restraint AKA air bags
Anti-Lock Brakes
Anti-Theft Device
I don't know if this may be helpful for you, but it appears I'm getting the following discounts through Geico.
5 year good driver (I'm assuming my 1 minor fender bender was either now beyond 5 years, or was such a minor amount of damage that it doesn't count. I remember them specifically looking into how much damage resulted.)
Passive Restraint AKA air bags
Anti-Lock Brakes
Anti-Theft Device
#19
the overexplainer
Yea I was very pleased with my rate.
I don't know if this may be helpful for you, but it appears I'm getting the following discounts through Geico.
5 year good driver (I'm assuming my 1 minor fender bender was either now beyond 5 years, or was such a minor amount of damage that it doesn't count. I remember them specifically looking into how much damage resulted.)
Passive Restraint AKA air bags
Anti-Lock Brakes
Anti-Theft Device
I don't know if this may be helpful for you, but it appears I'm getting the following discounts through Geico.
5 year good driver (I'm assuming my 1 minor fender bender was either now beyond 5 years, or was such a minor amount of damage that it doesn't count. I remember them specifically looking into how much damage resulted.)
Passive Restraint AKA air bags
Anti-Lock Brakes
Anti-Theft Device
I got a quote from geico a about half a year ago and it was only a few hundred cheaper than trip A. I also have AAA roadside, and a 100mi towing distance which i'm hesitant on parting with.
Do you have coverage for uninsured motorist, etc.?
I know one thing geico discount offered to me was profession based (Computer Rep.). I never really followed through with it though.
edit: good to know turbo. I was thinking location might have something to do with it (no offense to anyone here, but we do have a lot of illegals driving around. Friend got his s2k hit by an illegal w/o insurance)
#20
Instructor
hmm i wonder if rates are different per state?
I got a quote from geico a about half a year ago and it was only a few hundred cheaper than trip A. I also have AAA roadside, and a 100mi towing distance which i'm hesitant on parting with.
Do you have coverage for uninsured motorist, etc.?
I know one thing geico discount offered to me was profession based (Computer Rep.). I never really followed through with it though.
I got a quote from geico a about half a year ago and it was only a few hundred cheaper than trip A. I also have AAA roadside, and a 100mi towing distance which i'm hesitant on parting with.
Do you have coverage for uninsured motorist, etc.?
I know one thing geico discount offered to me was profession based (Computer Rep.). I never really followed through with it though.
I do have uninsured motorist insurance as well. I even recall increasing the one limit (I forget the name) from, I think, 50k/100k to 100k/300k at the rep's (and my mom's as well haha) suggestion.
#21
Instructor
iTrader: (2)
Yea I was very pleased with my rate.
I don't know if this may be helpful for you, but it appears I'm getting the following discounts through Geico.
5 year good driver (I'm assuming my 1 minor fender bender was either now beyond 5 years, or was such a minor amount of damage that it doesn't count. I remember them specifically looking into how much damage resulted.)
Passive Restraint AKA air bags
Anti-Lock Brakes
Anti-Theft Device
I don't know if this may be helpful for you, but it appears I'm getting the following discounts through Geico.
5 year good driver (I'm assuming my 1 minor fender bender was either now beyond 5 years, or was such a minor amount of damage that it doesn't count. I remember them specifically looking into how much damage resulted.)
Passive Restraint AKA air bags
Anti-Lock Brakes
Anti-Theft Device
#22
Instructor
#23
I recently had a FB that was about $2600. While in the shop and doing a eval with the agent I asked him about a couple good size scratches from a previous incident and was told that it would have to be under a seperate claim. So yes, 2 seperate claims.
You insurance is also effected by your credit rating and where you live. Do you have any relatives that live in nearby cities? Try changing to their address and see if it changes. I'm 41 and pay $223 a month through Geico.....of course that's for two vehicles
You insurance is also effected by your credit rating and where you live. Do you have any relatives that live in nearby cities? Try changing to their address and see if it changes. I'm 41 and pay $223 a month through Geico.....of course that's for two vehicles
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