No way would I turn in a claim to get $600. Not worth it. It WILL count against you. Maybe or maybe not right away, but it will send a strong signal to the underwriters that you are a claim filer. They consider that at renewal time. They look at claim frequency, claim severity, and overall premium/loss ratio. Suppose you get a $5000+ claim in the next 36 months. Then you will have 2 claims on your record, and the rates will for sure go up.
^
this 100%
to basically net a $600 difference? Not a chance
. I can assure you the Insurance Co WILL get it back . one way or another sooner or later
BUT ,, what I would do is maybe split it with my daughter. If the money comes out of her pocket. She WILL look closer / drive safer because of it. Just MY
