Anonymous
09/23/2021 11:36
Subject: Will my insurance go up from comprehensive claim?
In theory, a single comprehensive claim should have no effect on your rates. Multiple comprehensive claims may raise questions.
My recent experience was - hit a moving object (deer) is comprehensive, hit a stationary object (ladder) is collision. Travelers paid out my collision accident but declared it an at fault accident and jacked up my rates.
Probably moving to Progressive but still researching.
My recent experience was - hit a moving object (deer) is comprehensive, hit a stationary object (ladder) is collision. Travelers paid out my collision accident but declared it an at fault accident and jacked up my rates.
Probably moving to Progressive but still researching.
Anonymous
09/23/2021 10:28
Subject: Will my insurance go up from comprehensive claim?
Anonymous wrote:i'm pretty sure if your car is in motion it's considered a collision claim.
Wrong. Hitting an animal is comprehensive.
OP your rates “may” go up but it’s much less likely under a comprehensive claim, vs. collision. Now if you had 5 comprehensive claims in a year, then sure your rates will rise. But for 1 comp claim it’s not for certain. I’d file the insurance and also increase my comprehensive deductible, in case there’s an accident in the future.
Anonymous
09/23/2021 07:40
Subject: Will my insurance go up from comprehensive claim?
Google says it's comprehensive and that it will raise your rates. Your options are to either pay the full $2,000 out of pocket for the repair and not report it to insurance or make the insurance claim, pay $50 out of pocket, and pay higher rates.
2k is a tough number. If it was a a few hundred dollars it would definitely make sense to pay it yourself. If it was 5k it would be obvious you should file with insurance. 2k is a number that's difficult to decide on. I would probably file the claim because it's unlikely that your rate will go up enough for the next few years to cover the full 2k cost of repairs (well, $1,950).
2k is a tough number. If it was a a few hundred dollars it would definitely make sense to pay it yourself. If it was 5k it would be obvious you should file with insurance. 2k is a number that's difficult to decide on. I would probably file the claim because it's unlikely that your rate will go up enough for the next few years to cover the full 2k cost of repairs (well, $1,950).
Anonymous
09/22/2021 14:38
Subject: Will my insurance go up from comprehensive claim?
i'm pretty sure if your car is in motion it's considered a collision claim.
Anonymous
09/22/2021 11:51
Subject: Will my insurance go up from comprehensive claim?
Switched to Geico a little over a year ago after we were dropped from State Farm when my husband had two small at fault accidents within a 3 year period.
I recently hit a wild animal while driving (different car, different driver than the two accidents we came to Geico with).
The repair estimate is 2k. Our comprehensive deductible is $50, so would like to use it if possible.
Am I at risk of our rates going up, or even worse being dropped if I file a comprehensive claim with my husbands two at fault accidents still on our history?
I recently hit a wild animal while driving (different car, different driver than the two accidents we came to Geico with).
The repair estimate is 2k. Our comprehensive deductible is $50, so would like to use it if possible.
Am I at risk of our rates going up, or even worse being dropped if I file a comprehensive claim with my husbands two at fault accidents still on our history?