If there is a ng for ht ekind of question I am about to ask, please direct me to it. In the mean time, my question is "would claiming the damage cause by my hitting a curb increase my premium?" I hit a curb last September and there was some dent and paint scrathes on lower left fender and the lady at autobody place was suggesting me to get the repair done - I would pay deductible 500 - but I am concern that doing so would raise my premium". She told me to call the insurance and asked about it but I can't ask w/o the insurance finding out about it so I am asking here how that would affect my future premium.
This newsgroup is blessedly free from off-topic discussions and when you get into non-Subaru specific insurance and legal issues, you are off-topic and are a distraction to many of us.
I don't know what newsgroup would be on-topic and it's not our job to find it for you.
*please* restrict your posts to Subaru-specific inquiries. That's what the group is for.
How the hell do you hit the curb with the LEFT fender? Are you for real Amanda? For god's sake I hope your better in BED than you are on the road and in taking care of your personal problems. Your living proof that "Common Sense" is NOT so common. Just another day in the life of Amanda..the Drama Queen.
Ask your agent. I had a small encounter with my garage a couple of months ago and was told by State Farm that a bill to them of something like $750 would raise my premium. I have $250 deductible and went to approved shop that I like to deal with and convinced them I did not need a new bumper cover and kept cost below $750 level.
Yes, cosmetic damage when someone hit my car a month ago.
The curb-hitting was from last October. And egges thrown was about 3 weks before the last accident (of May 19). The former under collison and the latter under comprehensive. I am considering to claim both now and cash out as I found out that my curb-hitting won't raise my premium since the cost of repair falls under the threshold value of $1000 (for this state) that insurance would pay.
Well..what if someone had the same experience and could give some info? Before I posted here, I ALREADY called customer service of my insurance company but the guy couldn't tell me. That's how knowledgeable peopel are of their field nowadays.
Then, last night, I posted the question to all the surrounding classmates (in Java programming class; BTW, no one said it's unrelated to the course) sitting near me and found out that it depend and insurance company.
So this morning, I called customer service again but mainly to make a point that when some one is moving (busy to bother with checking mail and stuff), they need to give customers more time to make the payment on difference balance on premium increase due to new address, instead of charging late fees for meager amount increase.
After getting nowhere (being put on hold), at the 3rd try, I finally got a lady knowledgeable enough to give me the info about threshhold.
overridden by state laws such as NO FAULT States. I found that out ACCIDENTALLY ONLY 1 1/2 ago when talking with another insurance company when doing price comparison (for my sister) between my compnay and hers. The CSR of hers told me when I used the word "how much is your threshold" that it's state regulation.
I amazed that most people who grew up here don't know squat about things I would know had I been raised in this country.
You need to post more details then...time of day, street name, wet/dry, color of car, type of tires, passengers & names, inflation pressures, that sort of stuff.
If you don't provide the info, who can tell?
Well, that doesn't help much, does it?
You should probably call them more often...two to three times a day would probably get you the respect you deserve.
And remarkably, I'd suppose it all depends on
*what* threshold they were talking about.
Are you some kind of uber-hotty, or is Daddy stinkin' rich?
And which country is that? This is a worldwide newsgroup. Assuming that someone is or is not from Australia shouldn't be necessary to answer your questions. In fact, not everything varies state by state, since not all countries have states like Australia does. Some don't even have that level of government at all.
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