Im so goddamn sad right now

RonRizz

Never heard that one before... So the days of paying out of pocket for minor fender benders to avoid rate increases is gone?????? Wonder if that's a state thing, or nationwide. I have paid oop for 2 in the last 3 years for my kids, and my insurance has never increased. (the same car, titled to me) Also, neither one of them reported a hike in insurance rates because of it....???? Also, an FYI, Rockauto.com has OEM bumpers ready to paint for some models of the Z at $180

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forza370z

If a police report is filed and it's your fault cause the accident. It will be under your record and it's just matter of time for insurance company to find out. I ran stop sign and caught by the police last year. I didn't contact my insurance company but I am wondering why my insurance rate went up.

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MacCool

AFAIK, all states record accidents on your DMV if a police report was done by the cops, or if an accident report was filed by the involved drivers as required by most state laws (if damage exceeds a certain level, which thus one certainly does). How your insurance company interprets the DMV is the variable. Some might care about how much the accident cost them, some might care as whether it's a chargeable or non-chargeable accident, some may allow a certain number of chargeable accidents before raising rates. They view long-term customers differently as well as other risk factors including age, marital status, gender, length of time with company, and how much money you spend with them every year (ie, how many other vehicles you insure).

Zephon13

Progressive has been pretty good to me over the past 5 or so years. I had one accident 4 years ago (pretty much the same thing as this. 5mph collision that messed up my hood and bumper) and when it came time to renew my rate for 6 months went up by about $20. I'm hoping the same holds true this time.

MacCool

I promise you, it's not because they love you. It's because they have coldly measured the financial risk you pose them and they've decided that, overall, they can make money on you.