by blueliner6 » Mon Jun 01, 2009 02:54 pm
I am a PA resident and got in a fender bender in NJ. The Police officer who arrived and filled out the report stating the accident was "obviously" my fault mentioned that in NJ I did not have to file a claim with the insurance company. I asked the other driver to get estimates to fix her car and send them to me. The damage to her car can be fixed for $2400. I pay around $600 a year for insurance with a $500 deductable. Is it worth filing a claim and taking the increased rate and charge backs and having the accident on my record or should I just pay out of pocket to fix the other driver's car and be done with it??
Thanks
Mike
Thanks
Mike
Posted: Wed Jun 03, 2009 06:31 am Post Subject:
Since this is you first accident in 20 years (Wow!) you may win a forgiveness from the insurer this time, means that your rates may remain unchanged.
Insurers at times take a lenient approach to retain their longtime, loyal customers and may overlook an accident or so. But again every company is different. And, if you face a rate change you can always shop around for better price. :D
Posted: Thu Jun 04, 2009 01:11 pm Post Subject:
Hi blueliner6,
Would you care to share your settlement outcomes with us?
We'd be eagerly waiting to hear that your claim gets settled for something worthy of your good track record.
Steven
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