Re: Opinions and experience on small insurance claim sought
[Re: srt]
#2734063
01/18/20 03:07 AM
01/18/20 03:07 AM
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Joined: Jan 2003
Posts: 7,521 Minnesota
Hemi_Joel
master
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master
Joined: Jan 2003
Posts: 7,521
Minnesota
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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.
On the repairs, I would go paintless. Shop around a lot more, you can get it cheaper.
[img]http://i.imgur.com/boeexFms.jpg[/img]31 Plymouth Coupe, 392 Hemi, T56 magnum RS23J71 RS27J77 RP23J71 RO23J71 WM21J8A I don't regret the things I've done. I only regret the things I didn't do. "Wise men talk because they have something to say; fools because they have to say something. ~ Plato"
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Re: Opinions and experience on small insurance claim sought
[Re: srt]
#2734066
01/18/20 03:23 AM
01/18/20 03:23 AM
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Joined: Jul 2008
Posts: 30,632 Florida STAYcation
IcorkSOAK
Financed his waterbed
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Financed his waterbed
Joined: Jul 2008
Posts: 30,632
Florida STAYcation
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Insurance claim forgiveness? Yeah right ! For a business like this that can and will rate you NOT JUST BASED on your claim history BUT on your credit score ... whata buncha DONT get me started on these ..... I’ve never had a-claim in 50 years (no wait - that’s my grandfather!) and I had the tenants(who were supposedly buying the place) in my Michigan property RIP ME OFF ... those a holes stole the whole kitchen and cleaned out my garage and barn ! Then the insurance company said I wasn’t properly insured ! Someone here said ... an insurance company is NOT your friend I’m not done with them !
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Re: Opinions and experience on small insurance claim sought
[Re: srt]
#2734074
01/18/20 06:34 AM
01/18/20 06:34 AM
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Joined: Dec 2007
Posts: 20,328 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,328
Puttin' on the foil in Charles...
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25+ year career in insurance claims, so take my advice for what you will. Hemi Joel's explanation is spot-on accurate. Have you read your policy about first claim forgiveness? That's an endorsement, for which you pay an additional premium. Essentially, accident forgiveness means that you are pre-paying the premium increase that would occur if you had an accident...even if you never have an accident. No one should have this. Utter waste of money. Also, there's still a record in ISO of any claim you file, regardless of "forgiveness," meaning that if you switch companies, your new carrier will know about that loss, and will rate you accordingly. Looking at the pix of the damage, if the dent in the door extends all the way to the edge, it's unlikely that PDR can get all off the damage out of the door. There's no access in that area, since that's where the skin is attached to the shell. The pix aren't very good, so I can't say for certain, but that's my first impression. If they can PDR the whole thing, and the paint transfer buffs out and didn't cut through the clear into the color coat, that would be a great idea, but only IF they can get ALL of the damage. Your concerns about a conventional repair aren't warranted, provided that you have a qualified shop do the repairs. Modern paints/clears are very durable when applied after proper prep, and color matching is not an issue for a good shop. Also...dirty little secret...there's already body filler in your car anyway...you just don't know it. Also, a general statement...If any PDR tech ever wants to drill holes for access, or separate components that have foam insulation between them (such as the door skin and side impact beam), tell them to take a hike, Drilling a hole for that damage isn't feasible, but I've seen them do it in other areas. Trading one problem for an even worse problem. Me? No way am I filing a claim for that.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: Opinions and experience on small insurance claim sought
[Re: HarryM]
#2734100
01/18/20 10:25 AM
01/18/20 10:25 AM
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Joined: Sep 2003
Posts: 1,116 sw michigan
TB3CUDA
super stock
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super stock
Joined: Sep 2003
Posts: 1,116
sw michigan
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this is why insurance companys make big money,have people affraid to make claims,what is insurance for,accidents,i just filed a claim on our challenger its a lease,and will be going back when lease is up, wife scapped the from lower spoiler had the lease co inspect the car,after reading there report on line they are charging us $305 for a new front spoiler,you cant even see the scuff.so we call haggerty who insures it,sent them a link for the report had a check with in the week. was told a long time ago to shop every 2 years for insurance rates,if you watch tv every other commercial is for insurance buying for your business.file get your money if they raise it find new insurance co that wants you as a customer.our home owners did the same thing came out took pics of our property,had a parts car out back on the 4 acres we have,they also got within 10 feet of our front slider and 1 of our 3 german shepards was doing her job barking at them(dangerous dog according to them),they raised our rates from $500 a year to $3500 a year,double middle fingers to them and found the same home owners coverage with the dogs on them for $650 from another ins co.
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Re: Opinions and experience on small insurance claim sought
[Re: TB3CUDA]
#2734124
01/18/20 11:31 AM
01/18/20 11:31 AM
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Joined: Mar 2010
Posts: 285 Bennett, Colorado
Charger69RT8
OP
enthusiast
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OP
enthusiast
Joined: Mar 2010
Posts: 285
Bennett, Colorado
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Thank you to ALL who replied. That is exactly what I was hoping for. I greatly appreciate everyone's perspective. Moparts is great!
2012 Challenger SRT 2012 Charger SXT AWD 69 Charger R/T 78 Chrysler New Yorker 440CI 89 Dodge Daytona ES 2.5L Turbo 99 Ram 2500 4X4 5.9L6
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Re: Opinions and experience on small insurance claim sought
[Re: Hemi_Joel]
#2734177
01/18/20 01:02 PM
01/18/20 01:02 PM
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Joined: Jun 2003
Posts: 21,762 It's a dry heat
gtx6970
Too Many Posts
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Too Many Posts
Joined: Jun 2003
Posts: 21,762
It's a dry heat
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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
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Re: Opinions and experience on small insurance claim sought
[Re: second 70]
#2734213
01/18/20 02:27 PM
01/18/20 02:27 PM
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Joined: Dec 2003
Posts: 23,273 Here
jcc
If you can't dazzle em with diamonds..
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If you can't dazzle em with diamonds..
Joined: Dec 2003
Posts: 23,273
Here
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For God sakes man, do absolutely nothing, even just calling your insurance company with a question, is a black mark on your record.
Everything they do is seen as an opportunity to raise your rates now or in the future, and they are exempt from normal collusion restrictions, besides huge lobby efforts.
" All sorts of things can happen when you are open to new Ideas" Inventor of Kevlar
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Re: Opinions and experience on small insurance claim sought
[Re: finn]
#2734407
01/19/20 11:33 AM
01/19/20 11:33 AM
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Joined: Dec 2007
Posts: 20,328 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,328
Puttin' on the foil in Charles...
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State Farm will give you one or two Mulligans, can’t remember which, before the accident counts against you. The accident stays with you for a three year period, then drops off your record. None of this is correct.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: Opinions and experience on small insurance claim sought
[Re: not_a_charger]
#2734541
01/19/20 04:38 PM
01/19/20 04:38 PM
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Joined: Jan 2003
Posts: 7,521 Minnesota
Hemi_Joel
master
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master
Joined: Jan 2003
Posts: 7,521
Minnesota
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Here's an example of how this can bite you. in our state there is a law that says your insurance company can't count windshield replacements against you. so my wife got two windshields replaced in two years and I didn't think anything of it. That was from State farm. Then Farm Bureau came along and gave me a really good rate on my commercial building and wanted to write my auto. They gave me an initial quote on the auto which blew State farm out of the water. When I said yes, they needed to collect our drivers license information and check the claim history. He got back to me and said they wouldn't write us because of the glass claims. I said that I thought in Minnesota they weren't allowed to hold that against you. They said that they couldn't use the glass claims to determine the rate, so they just chose not to write the policy at all. So it cost me a bunch of money to have to stay with State farm instead of switch to Farm Bureau.
Last edited by Hemi_Joel; 01/19/20 04:40 PM.
[img]http://i.imgur.com/boeexFms.jpg[/img]31 Plymouth Coupe, 392 Hemi, T56 magnum RS23J71 RS27J77 RP23J71 RO23J71 WM21J8A I don't regret the things I've done. I only regret the things I didn't do. "Wise men talk because they have something to say; fools because they have to say something. ~ Plato"
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Re: Opinions and experience on small insurance claim sought
[Re: Hemi_Joel]
#2734544
01/19/20 04:44 PM
01/19/20 04:44 PM
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Joined: Dec 2007
Posts: 20,328 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,328
Puttin' on the foil in Charles...
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They said that they couldn't use the glass claims to determine the rate That is correct. MN is a very consumer-friendly state with regard to car insurance. The law you refer to is designed to prevent your existing insurer from increasing your rates due to glass claims. If you shop for a new carrier, the loss frequency itself will follow you, as I mentioned in my initial reply. ISO has a record of everything.
Earning every penny of that moderator paycheck.
DBAP
"They don't think it be like it is, but it do." - Oscar Gamble
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Re: Opinions and experience on small insurance claim sought
[Re: finn]
#2734655
01/19/20 09:44 PM
01/19/20 09:44 PM
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Joined: Jan 2003
Posts: 4,186 Canada -- Posts: 4034 -Registe...
5thAve
Doesn't care what this says anyway
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Doesn't care what this says anyway
Joined: Jan 2003
Posts: 4,186
Canada -- Posts: 4034 -Registe...
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State Farm will give you one or two Mulligans, can’t remember which, before the accident counts against you. The accident stays with you for a three year period, then drops off your record. State Farm usually includes something as part of your premium to protect your rate if you have an accident in X number of years so you rate might not go up but it still counts against you and will show up if you shop around or if you have another claim.
Last edited by 5thAve; 01/19/20 09:45 PM.
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