Put $500 scrape in truck. Pay it or file claim?

[randy41]

insco's all work off the same data base. They all know what each other has to say.

Foe example, I gave a car to my granddaughter. She called GEICO (not my co.) to get an insurance quote and told them her grandfather gave her a car. They asked her for my name and then said is it is the red Toyota, with VIN ##### ? She said yes. They then printed out a complete registration form with all my car's info on it for her. I've never dealt with GEICO.

well it sounds like you know more about this then i do. thanks for the info.

 

[LD1]

I recently had a small bump with another car. I had to file since another vehicle was involved...I wouldn't have otherwise. I probably wouldn't even have fixed the really small issue with my fender. The other guy lost a headlight rim on his truck. He hit me.

The ins co sent me a check for $600 for the minor damage. I am now being assessed an annual surcharge of $300 for the next 6 years.

I've been driving for over 50 years, and have had one other claim no larger than this one.

Yup, ins companies are there for us.

Rany41, that's why you don't file a claim unless you have to.

Something isnt adding up with your story.

WHo forced you to file with your ins company? Shouldnt the other guys ins handled it? And even so, who MADE you file the claim with yours.

And an annual surcharge for 6 years?? for a minor claim?? and for your only claim?? I know insurance companies suck, but never heard anyone doing that.

So without more details, or proof, I dont believe the story.

 

[i579rbd]

Have you thought about trying to fix it yourself? You can put the paint code on Amazon and get spray cans of matched paint and get some clear coat. There are a gazillion videos on EBay about fixing scratches. it isn't that hard and it is cheap enough that you can practice on something else first.

 

[thatguy]

um...what do you have insurance for? if you're not filing claims then you'r just paying out. why do that?

its for the big items, NOT $500 scrapes

Anymore it appears that the INS companies are just looking to drop you. Off topic/on topic - if you have bought a house recently one thing that most buyers put in the contract is 'subject to getting insurance'.. People file household claims for small stuff then get dropped, once dropped the next carrier looks really hard at your history.

b

 

[oosik]

Over my 50+ years of driving I have carried the same insurance co. - State Farm. I've had two no-fault accidents and had 4-5 windshields replaced. They have never raised my rates, added sur charges etc. My current rates are lower than anything I could get from geico, esurance, the general, etc. Perhaps it has something to do with location and low mileage??

 

[randy41]

Over my 50+ years of driving I have carried the same insurance co. - State Farm. I've had two no-fault accidents and had 4-5 windshields replaced. They have never raised my rates, added sur charges etc. My current rates are lower than anything I could get from geico, esurance, the general, etc. Perhaps it has something to do with location and low mileage??

i have allstate and have for a long time. i tried getting a quote from geico and they told me that they can't match rates given to long term customers of other co's.

 

[oldpilgrim]

Something isnt adding up with your story.

WHo forced you to file with your ins company?


Shouldnt the other guys ins handled it? And even so, who MADE you file the claim with yours.

when the other guy notifies his insco, they contact the other inco and try to make them pay. Makes no difference if I file or not. They get notified.

And an annual surcharge for 6 years?? for a minor claim?? and for your only claim?? I know insurance companies suck, but never heard anyone doing that.

This is Massachusetts, the insurance scam state. We can't even have some of the same insurance companies as you do because they're 'not approved' by the "state insurance commissioner". Yup, all companies have to follow the rules set up by the 'commissioner'. That means in order to be able to sell insurance in this state, someone pays someone.

If you get a traffic ticket...immediate surcharge. If you don't have your inspection sticker up to date, surcharge. First surcharge is about $300/year. Second one within a certain time is more, much more. Third time is even more with a possible license suspension.

The state has it's hands in the pockets of the inscos and the inscos have their hand in the pockets of the pols, so they can make more egregious rules and help out the inscos. They work hand in hand.

Oh, by the way, are you behind in your child support? Goodbye license. Goodbye gun permit. Goodbye car registration.

Have you not paid your latest annual 'excise' (property tax to you out of staters)? Goodbye license. Goodbye gun permit. Goodbye car registration.

That's right we pay a tax on each vehicle we register, annually, in addition to the registration fee. If you haven't paid the tax on one car and you have 2 or more, you loses both of them.

Every time we sell a vehicle, the new owner must pay a sales tax on it's value. The state determines it's value, it's not necessarily what you paid for it, it's what they say it's worth...unless you're a licensed dealer.

When I gave the car to my granddaughter, I filled out a form stating it was a gift, so no sales tax applied, but there was a $25 fee for filing the statement of gift form.


I'm just starting..........................






So without more details, or proof, I dont believe the story.



Don't care whether you believe me or not.

.............

 

[tcreeley]

I file for things I don't want to pay for- like a cracked windshield. I've never had my rates go up. Every year they go down a bit with the age of the vehicle. I hear this all of the time- rates will go up if you file. Ours never do. 25+ years with Allstate + small or no deductibles..
Sometimes I file a claim, say I will do the work and they pay me the difference minus deductible. They take a picture to have in their records of damage to the vehicle so that they never have to pay that part again. Allstate does not play games with us. Maybe we are just lucky, but they are easy to work with regardless of the different agents over the years. I'd file a claim.

 

[nybirdman]

I did the same on my 2013 Silverado....$500.00 scrape....fixed that traded for a 2014!

 

[k0ua]

I did the same on my 2013 Silverado....$500.00 scrape....fixed that traded for a 2014!

That sounds like an easy fix!:thumbsup: