Reply to Submit to Auto Insurance or not?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Well, you already called insurance so even if you don't claim it, they are going to raise your premium. Just a PSA. Unless you know for sure you intend to file, never call them about any incident.[/quote]

Oh, how do you know this? I assume it will go up annually anyways, like everything does.

I'm willing to just pay out of pocket, but also wasn't sure if that was leaving money on the table.  [/quote]

In 2002, I called about whether they covered me scraping against a pole. They reported it as an accident and my premiums went up immediately even though I never filed the

Last year, we thought we would file a claim about a pretty major body damage our kid incurred, so we called. And guess what. It was immediately put on the driving record. Even though it wasn't a moving violation or ticketed offense, and even though we didn't file the claim.

Two different insurance companies. USAA and Geico. The only other incident was me getting rear-ended 3 years prior[/quote]

Thanks for sharing. I had no idea they do this (obviously). I wasn't sure how any of it worked and if you filed a claim, would it end up like medical insurance where they half make a number up that they want to pay and call the rest you pay outside the deductible "co-insurance."[/quote]

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