Car Insurance

[Josh123]

Ok, my truck got hail damage from the other night and I took it in to get it looked at. How exactly does it work? My deductable is $500 so does that mean I have to pay $500 then the rest is covered by the insurance company?

 

[BrunoPuntzJones]

Correct.

Then when your renewal comes up they increase your premium a few hundred/thousand bucks since you made a claim.

Or they decrease your benefits and keep the cost the same.

You'll need to buy some Vasaline btw

 

[Lola]

you have a $500 ded for comprehensive?
yes, you pay the $500 and the ins co. will cover the rest...
sometimes, some shops will "work with you" on your deductible. 🙂

 

[Lola]

Originally posted by: BrunoPuntzJones
Correct.

Then when your renewal comes up they increase your premium a few hundred/thousand bucks since you made a claim.

Or they decrease your benefits and keep the cost the same.

You'll need to buy some Vasaline btw

NO NO NO!!!!!! 😛 they will not increase your premiums because you did NOT have an at fault accident.

for a comp claim, they will not raise your rates! 🙂

 

[Josh123]

Man that fvckin pisses me off. I've had my new truck for a month at the max and its busted up now. I don't even have $1.

 

[Lola]

just check to see for sure if you have a $500 comp ded. a lot of the time, your comp ded is sometimes less because you always have to pay it.

PS, do you know how much in damage there is?

 

[Josh123]

Originally posted by: LolaWiz
just check to see for sure if you have a $500 comp ded. a lot of the time, your comp ded is sometimes less because you always have to pay it.

PS, do you know how much in damage there is?

I think he said it was about $4000 worth of damage but the check is for like $3500. Which makes me think I'll have to pay $500 out of my pocket.

 

[Lola]

Originally posted by: Josh123

Originally posted by: LolaWiz
just check to see for sure if you have a $500 comp ded. a lot of the time, your comp ded is sometimes less because you always have to pay it.

PS, do you know how much in damage there is?

I think he said it was about $4000 worth of damage but the check is for like $3500. Which makes me think I'll have to pay $500 out of my pocket.

can you take it to a few different shops to see how much they each are going to charge to get the best deal?

Good luck though.

 

[Josh123]

Originally posted by: LolaWiz

Originally posted by: Josh123

Originally posted by: LolaWiz
just check to see for sure if you have a $500 comp ded. a lot of the time, your comp ded is sometimes less because you always have to pay it.

PS, do you know how much in damage there is?

I think he said it was about $4000 worth of damage but the check is for like $3500. Which makes me think I'll have to pay $500 out of my pocket.

can you take it to a few different shops to see how much they each are going to charge to get the best deal?

Good luck though.

Ya, I think my brother may know some people that can hook me up on a good deal.

 

[Vinfinite]

oops what the hell