Confused for Filing Claim for 2nd Accident

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bhushansethi

Junior Member
Dec 2, 2012
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Hi,
I bought my first car 1997 Camry in March 2012. I added my wife in insurance in July 2012. She did her first accident while changing lanes on instruction permit (she was on fault) I claimed to insurance and I know that next year my insurance will go up.

Now yesterday in hard raining, car ahead of me suddenly stopped, i tried to apply breaks, still got hit in front car. So technically I am at fault. My car's estimate is ~800$ His car's is 400$
So I am very confused here to file this to insurance or pay by myself. I've heard that insurance increase a lot in 2nd accident claim. Will weather conditions at that time help me to not raise the claim ( if i file) or I should not filed at all..

I am very confused here please Help !
 

leper84

Senior member
Dec 29, 2011
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You and your wife should take some defensive driving courses.

Its not really up to you whether you file. Its up to the person you hit. If they don't mind you paying out of pocket for the repair then go for it. I'm surprised anyone agrees to that now days.
 
Oct 9, 1999
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stop driving like you are living in India.... learn to keep gaps and forget all that you learned in driving in India
 
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