How does an auto insurance claim affect your policy?

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PostPosted: Fri Nov 18, 2011 6:12 am   Post subject: will my insurance go up  

i was driving and a cat ran out infront of me.

i turned to miss it and the wood i had in the back of the truck flew out and smashed the quarter panel no other damage will this increase my insurance if i claim.

damage was estimated at 1475.00


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PostPosted: Fri Nov 18, 2011 10:17 am   Post subject:   

Depends on your insurer, but I don't think it should affect the premium rates.

Also do you have a comp. coverage?

Because this damage won't by covered by collision coverage, since there was no collision that caused the damage so I think only comprehensive coverage would pay for the damage.


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PostPosted: Fri Nov 18, 2011 11:57 am   Post subject:   

Quote:
i was driving and a cat ran out infront of me.

i turned to miss it


Maybe you'll have figured out that a cat is not worth $1500 in body damage in the future. In the meantime, comprehensive claims do not have as much effect on premiums as collision claims do. If you don't have comprehensive ("other than collision") coverage on your policy, then you have nothing to worry about . . . except coming up with the money to pay for the repairs.


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PostPosted: Wed Jan 18, 2012 11:06 pm   Post subject: PIP Claim in FL  

A year ago my sister was driving my car and she got into an accident. The accident was in no way her fault the other person ran a stop sign. The other driver was indeed covered by full insurance. My sister got a lawyer to persue the accident and her injuries. About a year after the accident I went to get a different insurance through a new company when I found out I had a PIP claim on my driving record stopping me from getting insurance and also raising my premiums at every place I checked to about 400$ a month. When the settlement was all said and done I reviewed the papers the lawyer gave my sister and noticed that the first initial medical bills from when she wrecked the car and had to go to the hospital the lawyer for some reason billed my insurance company. The rest of the medical bills went towards the other drivers insurance and was paid.

Not only was I not in the car at all but I got the screwed end of it with no car a PIP on my driving record making my car insurance premiums go up, but my sister ended up with the full settlement and nothing on her driving record and is able to afford insurance that is less then 400 a month.



I do not know what to do to fix this is there anyone out there that can help me. My email is breathingintune@hotmail.com



thank you.


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PostPosted: Fri Jan 20, 2012 4:53 pm   Post subject:   

Did your sister’s insurance company claim PIP against your carrier? That is the only way that PIP can go up. Was your sister listed as a driver of the vehicle under your policy?

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PostPosted: Sun Feb 19, 2012 4:09 am   Post subject: car acccident  

hey i had a wreck 2 month ago and i had just 3rd party libility on my insurance. it was my fault. total both car and my freind file a claim on me feor 3000. and it say also another bodily was injure. will my insurance pay for all the claim file agaisnt me?


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PostPosted: Mon Feb 20, 2012 9:17 am   Post subject:   

will my insurance pay for all the claim file agaisnt me?

Your liability insurance pays up to whatever limit you have paid for. For example, in California, most policies have a minimum limit of liability (as required by law) of $15,000 per person, $30,000 per accident (a special category of "low cost auto insurance" available in most parts of the state has lower limits). If the total claims for any one person exceeds $15,000, and/or the total claims exceed $30,000 for one accident, then your minimum liability policy would leave you responsible for the excess portion of the claim(s).



Without more information, we can only give you general answers such as this.



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PostPosted: Sat Mar 31, 2012 12:44 pm   Post subject: hi  

can i still drive if the person i hit sue me because i did not have insurance


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PostPosted: Sat Mar 31, 2012 4:27 pm   Post subject:   

Sure. But your state probably has a law that allows your driver license to be revoked for not having insurance and being involved in a collision. Is there a reason you still don't have insurance?



Some people say, "It's too expensive," If that's true, then they should not be driving to begin with, because that's more expensive than the insurance.



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PostPosted: Mon Apr 02, 2012 5:34 pm   Post subject:   

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PostPosted: Tue Apr 03, 2012 3:27 pm   Post subject: PIP claim in Texas--rate increase?  

You stated that if you make a PIP claim in a "no fault" state that your premium does not increase. What if you are not in a "no fault" state--like Texas--does making a PIP claim in itself set you up for a rate increase?


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PostPosted: Tue Apr 03, 2012 3:37 pm   Post subject:   

The answer should still be no. But then, again, Texas is its own country.



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PostPosted: Tue Apr 10, 2012 7:04 am   Post subject: Re:How does an auto insurance claim affect your policy?  

Nice information and good article. Thanks for sharing.

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PostPosted: Thu Jul 12, 2012 7:15 pm   Post subject: Car insurance premiums  

I have had a small accident in that I have scratched and dented my car and scratched and slightly dented my lodger's car (misjudged space between them when reversing). I want to know, if I claim on my insurance, how much will my premium increase (percentage for instance)? I need to know this before deciding whether to claim on my insurance or pay privately for the repairs.


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