Quote:
Originally Posted by Nick911sc
What kind of deductible do you have on your policy? Be careful putting in smaller claims...
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I've got a $1,000 deductible. From what I can estimate in parts right now, without paint and labor, there's approximately $1,600 in damage. Paint and labor will easily push it past $2,000.
The surcharge for filing the claim will cost me an additional $210 over three years (approx $70/year). I had the discussion with my agent yesterday.
Basically, if the repairs cost more than the deductible and surcharge; i.e. $1,000 + $210 = $1,210, I'm better off making the claim.
It will be only the second claim I've made in the 35 years I've been with State Farm, and the first one since 1986. I've got a really good agent, so I'm not concerned.