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I parked my car in a parking lot yesterday and a dump ass parked next to me put a dent on my front passager door while I was at work. when i on my way after way, there is rock came out of nowhere and put a half inch crack on my windshield. now every time i look at my car, the crack and dent are driving me nut. I have full cover on my insurance, can I call them up and get money to fix my car? If I do that, are they gonna raise up my insurance? or just get the money out of my pocket to get those fixed? please help me out.
 

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moliang said:
I parked my car in a parking lot yesterday and a dump ass parked next to me put a dent on my front passager door while I was at work. when i on my way after way, there is rock came out of nowhere and put a half inch crack on my windshield. now every time i look at my car, the crack and dent are driving me nut. I have full cover on my insurance, can I call them up and get money to fix my car? If I do that, are they gonna raise up my insurance? or just get the money out of my pocket to get those fixed? please help me out.
I am an insurance agent and strongly suggest you dont put a claim in. Pay for little things yourself and have insurance as a back up for large claims. Its not worth the claim history for something that small. If you get it done yourself, both things fixed will be about $600 or so out of pocket cost. Trust me, fix them yourself!
 

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Sorry to hear that. You may want to check with your insurance about the windshield. Here in SC, damaged windshield repairs are fully covered and do not require a deductible and will not affect your premium. If you check with your local "Dint Wizard", chances are they can repair the dint for less than $100. This will save you from having to file a claim or pay a deductible.
 

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The windshield should be covered under comprehensive. They won't raise your rates for that. The other is collision damage, so I'd get that fixed out of my own pocket.
 
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