[mjoo600]

If my IS was sitting in a parking lot and when I come out, it has $2,000-$3,000 of damage, will it affect my insurance if I file a claim to my insurance company?

 

[mjoo600]

Thanks, webmaster ****a.

Has anyone else experienced something similar to this, or a hit-and-run?

I am wary that my premium will go up next year, or that they might not renew me. Even if neither happens, I know that all insurance companies report claims to a information collecting agency that compiles insurance history information, kinda like Trans Union or Experian for credit information. Even if it is not your fault, insurance companies do not like seeing claims in your history.

Also, my insurance broker (as opposed to an agent, who works for one agency only) told me that insurance companies can drop a client within the first 60 days for any reason, and that making a claim (even a claim that is not my fault) in that time period could possibly result in my insurance being dropped.

Anyone with any experience/knowledge?

Thanks.

 

[jiggs]

make the claim thats why you have the coverage...they won't drop you for a couple grand considering how much they pay out for totaled cars and such...you will want to claim this under your comprehensive coverage on your insurance...if you don't have comp (its not required) if it was a hit-n-run you would have to report the incident to the police and then work it out with you insurance man...the only thing that hurts your next year renewal is 'at fault claims' when the insurance co is paying out money to cover your a$$...at least call and tell them what happened...you can ask them anything and they are leagly bound to explain your coverages...hope this helps

 

[triz]

I had the same exact thing happen to me. My car was hit and run. But I got slightly lucky bcause 4 of my neighbors got the exact plate number. Unless you have only been with the insurance company a very short period of time...usually 90 days. They can drop you but they must pay for the damages. If it over 90 days you should be good. Jus check your insurance package. As far as raising your premium they can not.

 

[is300soon]

Originally posted by triz:
I had the same exact thing happen to me. My car was hit and run. But I got slightly lucky bcause 4 of my neighbors got the exact plate number. Unless you have only been with the insurance company a very short period of time...usually 90 days. They can drop you but they must pay for the damages. If it over 90 days you should be good. Jus check your insurance package. As far as raising your premium they can not.

see what u get for livin in the bronx!

 

[mjoo600]

Yeah, it's only been about two weeks since I got the insurance. I could claim through the comprehensive portion of my insurance, but making a claim this early just might give them reason to drop me.

 

[s0yb0mb]

if you really want to persue it, see if there were any security cams on the lot... if you filed a report w/ the police, most likely they won't persue it any further since these types of accidents are common, and no bodily injury occured. If you can produce evidence (video tape, color streaks from other car or damage on suspected car) you'd have a good case to 1) press charges, and 2) file a civil suit to recoup costs.

If we're talking $2500+ it would be worth the effort to at least see if there was a camera....

Oh! I forgot to mention that you have to file it with 24 hours of the accident, and i think you need to have a police report filed ASAP, to avoid the Ins. co. from blaming you for fraud... just a precaution i think.

[ June 08, 2001: Message edited by: s0yb0mb ]

 

[mjoo600]

Thanks everyone.

At this point, I would like to go through insurance, as long as I have a decent chance of NOT getting dropped by my ins. company.

Anyone who works in the insurance industry, can you tell me what my chances are of being dropped, considering it has been two weeks (I think they have 60 days to drop me for any reason), and I have a fairly clean driving and claims record?

If I am going though comprehensive, I don't need a police report, right?

 

[s0yb0mb]

Unless you have something in your driving history you're not mentioning, i wouldn't worry about getting dropped. If you have had troubles in the past, I might be a little wary...
I had someone attempt to break into my IS 3 weeks after I got it, and no problems w/ my Ins. co. ($1300+ in damage)

 

[kalieaire]

I feel like this is the job of two X10 cameras and an old Hi-8 Camcorder!

Anyone wanna brainstorm some ideas w/ me to make a rotating mount to capture about 360 degrees fov of view?

I might add, X10 cameras have perfect video quality <unlike at fry's> when mated with a real recording device instead of sending it RF style.

Also, A habit I have when I have to park in a parking lot w/ a lot of cars when in a nice car, I just write down some license plates of the cars around me. If it's a busy day, well multiple cars will come and park in the spot, but who knows, you may just get the guy if they stay almost as long as you.