its too late now but if it is the oil pan and front bumper it would of been better to keep the insurance co out of it. they are for sure going to raise your insurance cost. they might want to repair it since the airbag is intack. good luck stealth
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its too late now but if it is the oil pan and front bumper it would of been better to keep the insurance co out of it. they are for sure going to raise your insurance cost. they might want to repair it since the airbag is intack. good luck stealth
This is not automatically the case, he wasn't at fault. Another driver had cargo improperly secured in their automobile. My rates never went up when I ran the claim for my car falling off the jack stands.Quote:
Originally Posted by mcshooter
The rate rise will be dependent on his record with his insurance company.
My insurance wont go up because this isn't my fault. This is going against the driver of the other vehicles insurance.
I hate to say it, but it would only take about $2000 for them to total it, be prepared to have to buy it back.
Well I guess I was fretting over nothing. The reason an adjuster had to come look at the car was because of "previous damage" to the front bumper cover.
There was some paint chunks missing due to improper prep work and the like. The car is mobile at this point, but due to the holidays I won't be able to get it picked up until Monday.
They said it actually just punched a hole in the oil filter and dented the oil pan so they put a new oil pan on and gave it an oil change. I'm probably going to just have to eat the loss of the bumper. Sure it had prior "damage" but the damn thing was usable.
At least it wasn't totalled.
That doesn't matter. In my last accident, I was rear ended while I was sitting at a light. They ended up paying for my damages, sure. But my rates increased the next policy period. I figured, it might simply be due to rising insurance costs, but no. When I moved, I bought a house and was looking for new rates for auto/home/motorcycle combined. Two companies told me they couldn't give me the best rates because I had three things on my driving record, two tickets in the past 3 years, and that damn accident, and it didn't matter that it wasn't my fault. Ins companies are bastards.Quote:
Originally Posted by stealthee
The two tickets are probably why it went up then. When there is a claim, no matter it its your fault or not, they usually review your record. If they saw the two tickets, then they raised your rates because of them.
Luckily for me I have been a good boy and haven't had a ticket in a long time.
Insurance companies don't care who it at fault most of the time, your rates may increase even though it wasn't your fault. In Florida, a kid backed into Don's dodge magnum damaging the rear door... mind you Don was in the store shopping. His insurance went up, and that accident, even though it wasn't his fault, was on his record for 3 years. So in reality it doesn't matter if the accident wasn't your fault, it just matters that you were involved in an accident period.
We learned to put the crappiest car as the primary vehicle, because insurance rates are based on how much the cars is used = more like to be involved in an accident. I think it was almost $40/month more to say we drove the Challenger 8K miles a year vs 5K mile a year.
That could have been it... except I already had those two tickets on my record before I got my insurance with them and they knew about them. I hope your rates don't go up, but don't be surprised at all if they do.Quote:
Originally Posted by stealthee
I would be disputing the adjuster's decision....chipping paint is way different than busted pieces.Quote:
Originally Posted by stealthee