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Old 06-11-2011, 05:43 PM   #1
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Insurance Rates and Minor Claims

Question for those that have used insurance to cover 'minor' damages to their vehicles...did your rates go up due to using your coverage to fix something that was under $2000-ish?

Long story short there's now a gouge in my front bumper and one headlight lens due to road debris. It's not bad, but fixing will probably require replacing both the bumper and headlight. Gouge is pretty deep in both. Not sure what the replacement cost is for the bumper (have a good idea on the light) but I doubt it's terribly cheap.

Also, I'm assuming this will have to be done by the dealer seeing as I have a 2012. Or do body shops have access to parts on such new vehicles? Curious in case I decide to not pull the insurer into this.


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Old 06-11-2011, 05:51 PM   #2
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it all depends it hard to say, best to ask your insurance company what will happen, claims and changes in premium cost all depend on Your age, driving record, past claims, frequency of claims, kind of insurance plan, insurance company ect ect ect. There are so many factors that contribute to these things that there is no way to say for sure if it will go up...
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Old 06-11-2011, 05:54 PM   #3
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You can report that kind of damage under your comprehensive coverage instead of your collision coverage. You won't take as big of 'hit' being a Comp. claim. It's called 'Flying debris' - not a 'collision' . Same thing if a rock hits your windshield.
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Old 06-13-2011, 10:36 AM   #4
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Another thing to watch for is the vehicle history reports. My old car had three accidents where I wasn't at fault. This affected the price I was able to get for the car at trade-in. If you're selling it privately, you can probably explain it.
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Old 06-13-2011, 10:44 AM   #5
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yeah my insurance tried to screw me. driving since i was 16, full license at 18. 1 not at fault fender bender. rates went from 3k a year to 9k a year, currently 20. no tickets or anything. i don't get how they can get away with this? why should it cost me when it wasnt my fault? at 9k a year i can drive a new 04-05 every like 6 months.

and this is why my dad decided to screw them and have me as a part time driver and i live 2 hours away, still 150 a month, but i can live with that.
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