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Cars and Transportation
Reply to "Someone scratched kids car and I know they won’t pay"
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[quote=Anonymous]Growing up my parents were always saying you never report car damage because the rates will go up, and so you just negotiate directly with the other party or pay cash for minor stuff. I’m not sure that’s true. I had a minor accident that was my fault (rear end at slow speed) and the other people had minor bumper damage. I felt sure my rates would go up. Nope! Not at all. I don’t think insurance companies want to raise your rates after an accident unless they have to, because they know that’s likely to prompt you to shop around. If they really jack up your rates, it’s because they’ve changed their assessment of your overall risk. They’re not trying to claw back the repair costs. What you’ve described probably doesn’t change your risk profile at all. And I doubt they’d spend time/money going after the other kid anyway. So, I would just file a claim and let your insurance deal with it. [/quote]
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