What to do if I'm at fault?

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Mon Jan 15, 2007 8:21 pm   Post subject: What to do if I'm at fault?  

I backed into an Acura -- totally my fault -- and bashed in the front quarter panel. I told the owner I would pay for the repair, figuring I was better of handling it that way than having her file a claim with my ins co, to avoid higher rates However, the estimate from the body shop (which I trust and have used in the past) came to more than I expected -- $970. So now I'm wondering if I should tell her to file a claim instead. If it makes any difference, I've not had any claims on my policy for at least 5 years. Anyone have any thoughts?



thanks,



Eric

Eric77
New member
Leave a quick message



Joined: 15 Jan 2007
Posts: 1


1.88 Dollars($)

PostPosted: Tue Jan 16, 2007 12:12 am   Post subject: Unfortunate  

Im sorry that, that happend to you Eric, at least you and everyone is alright...Unfortunatly when you submit a claim it will usually result in some type of increase in premium on your policy. Again every company is different and for this reason you may want to contact your agent. It is a good thing that you have not had a claim in 5 years as you will most likly not be dropped by your company from this but you will prob experience a rate increase. How much that increase is I can't tell you the companies rate on different things and depending on the amount of the claim etc. Some have a threshold that if it is below a certain amount they will not count it..etc. So speaking with your agent would help.



Another thing to do is when you policy renewal is issued, take a look at it and if it seems to high run your rates somewhere else and see if you can get something better. I also know that in my area there are a couple companies that are now offering accident forgivness meaning that they will wave your first accident if you are free of accidents for some time or if you pay a slightly higher premium, who knows your company may offer this, so I would talk to you agent and see what they say about your company before actually putting a claim into the company. I hope that this helps a little.

nique1221
Senior member
Leave a quick message

nique1221

Joined: 25 Nov 2006
Posts: 287

Location: PA
49.08 Dollars($)

PostPosted: Tue Jan 16, 2007 5:17 am   Post subject:   

Quote:
I also know that in my area there are a couple companies that are now offering accident forgivness meaning that they will wave your first accident if you are free of accidents for some time or if you pay a slightly higher premium.....


Hey, may i know where do you stay? I would love to shift there, cuz I have a pretty bad driving record. Who knows when I shall end up hitting someone at the back. Laughing

Thanks,

Evan
evan
Moderator
Leave a quick message

evan

Joined: 01 May 2005
Posts: 1274


179.40 Dollars($)

PostPosted: Tue Jan 16, 2007 6:08 am   Post subject:   

I am in the state of Pennsylvania...... Surprised)

nique1221
Senior member
Leave a quick message

nique1221

Joined: 25 Nov 2006
Posts: 287

Location: PA
49.08 Dollars($)

PostPosted: Tue Jan 16, 2007 6:11 am   Post subject:   

Hey Lakemen...did you get my e-mail earlier?

nique1221
Senior member
Leave a quick message

nique1221

Joined: 25 Nov 2006
Posts: 287

Location: PA
49.08 Dollars($)

PostPosted: Tue Jan 16, 2007 6:11 am   Post subject:   

Hi Nique,

I am soon gonna shift to your state. Laughing

evan
Moderator
Leave a quick message

evan

Joined: 01 May 2005
Posts: 1274


179.40 Dollars($)

PostPosted: Tue Jan 16, 2007 6:13 am   Post subject:   

Yes Allstate is one of the companies that is offering Accident Fogiveness in my state...they just started it this year...there is also another company and I am having trouble thinking of the name at the moment that will forgive an accident after being accident free for 5 years...

nique1221
Senior member
Leave a quick message

nique1221

Joined: 25 Nov 2006
Posts: 287

Location: PA
49.08 Dollars($)

PostPosted: Tue Jan 16, 2007 6:14 am   Post subject:   

Quote:
Hey Lakemen...did you get my e-mail earlier?


I dint get any mail from you. Shocked Where did you send it?


_________________

Ask your question to the Community Insurance Experts...
lakemen
Site Admin
Leave a quick message

lakemen

Joined: 18 May 2005
Posts: 1267


321.81 Dollars($)

PostPosted: Tue Jan 16, 2007 6:17 am   Post subject:   

I sent it to your e-mail... 'lakemen@ampminsure.org' and it would have come from my e-mail 'moniquedatgetcohenassociates.com' I would send a PM but I am having trouble figuring out how to do that.



post edited by lakemen, email id removed for privacy reasons.

nique1221
Senior member
Leave a quick message

nique1221

Joined: 25 Nov 2006
Posts: 287

Location: PA
49.08 Dollars($)

PostPosted: Tue Jan 16, 2007 6:22 am   Post subject:   

Sorry, I am having some problem logging to my gmail ac now.

Quote:
I would send a PM but I am having trouble figuring out how to do that.


Its very simple. just click on the pm tab that comes with my post. It is also present in each of the registered members' posts.

Hope you got it.


_________________

Ask your question to the Community Insurance Experts...
lakemen
Site Admin
Leave a quick message

lakemen

Joined: 18 May 2005
Posts: 1267


321.81 Dollars($)

PostPosted: Tue Jan 16, 2007 6:49 am   Post subject:   

hi nique,

I have replied to both your PMs. Please check your mailbox.

Thanks,

Lakemen.



_________________

Ask your question to the Community Insurance Experts...
lakemen
Site Admin
Leave a quick message

lakemen

Joined: 18 May 2005
Posts: 1267


321.81 Dollars($)

PostPosted: Tue Jan 16, 2007 10:23 pm   Post subject:   

Oh sorry to hear that eric. But i think nique is right. You need to talk to your agent and ask some professional advise on what to do with your case.



Good luck!!



Joven

joven222
Senior member
Leave a quick message



Joined: 12 Jan 2007
Posts: 239


8.16 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
Page 1 of 1


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

    Connection Error: Connection refused