z towed and damage done

KrisL · 08-11-2014, 08:47 AM

A claim is a claim, regardless of what happened. As long as your insurance has to pay to make repairs (as opposed to another person being at fault and having their insurance pay for it), then there's the chance your rate might increase. The cleaner your driving record, the fewer previous claims and the longer you've been with your insurance company - the better chance you have to not have them raise rates on you.

Last year, a road cone was in the middle of the freeway in another lane and a truck hit it and launched it into my lane. Cars on both sides of me so I had nowhere to go, and it hit my front end hard (had to replace front bumper). I paid my deductible and the insurance paid the rest. Rates didn't go up, but it was my first claim, I've been with the company for 10+ years and I've got a perfect driving record. I bet if I have to make another claim within the next couple years, my rates will increase.

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08-11-2014, 08:47 AM	#17 (permalink)
KrisL Base Member Join Date: May 2014 Location: Arlington, TX Posts: 129 Drives: 2015 NISMO Tech 7AT Rep Power: 13	A claim is a claim, regardless of what happened. As long as your insurance has to pay to make repairs (as opposed to another person being at fault and having their insurance pay for it), then there's the chance your rate might increase. The cleaner your driving record, the fewer previous claims and the longer you've been with your insurance company - the better chance you have to not have them raise rates on you. Last year, a road cone was in the middle of the freeway in another lane and a truck hit it and launched it into my lane. Cars on both sides of me so I had nowhere to go, and it hit my front end hard (had to replace front bumper). I paid my deductible and the insurance paid the rest. Rates didn't go up, but it was my first claim, I've been with the company for 10+ years and I've got a perfect driving record. I bet if I have to make another claim within the next couple years, my rates will increase.