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Insurance Claim Question

V

v3rrv3

Golden Member
The other day I noticed some scratches on my door that "magically appeared" that were down to the metal and maybe 6-7 inches long total. I called my insurance and they weren't very helpful so I'm coming here. My deductible is low enough that my insurance would foot most of the bill. After being told that I should go get the scratches repaired rather than the whole door(not sure how you would do that) she told me she wasn't sure if it would affect my rates. Any of you guys have experience as to if my rates would go up?

- Kevin
 
Yeah, despite the fact she's the one that handles us, she scarily doesn't know much :x I have insurance with Liberty Mutual. Maybe I should PM geckojohn? 😛

- Kevin
 
Yes, it's covered under your Comprehensive if you have it. You didn't say who you called, but I'm thinking it was the agent's office. More than likely if you called the agents office, a receptionist answered and of course she wouldn't know.

You need to file a claim in order to determine if it is covered. Meanwhile, make sure you say it is vandalism and read your policy before you talk to the adjuster.
 
I would assume the clueless woman I talked to is our agent as her name is on all of our papers. I believe she said it was covered but whether it would raise my rates or not she couldn't tell. Also she said it couldn't be filled under keying or anything like that because I never say anyone do it(although If I did I wouldn't be calling her, me kicking their ass would be more than sufficient)
 
Sorry, I never answered your original question. It depends on the state, but most states won't allow an insurance company to raise your rates for a non-collision claim as long as it is a relatively rare occurence.

If you start using your Comprehensive coverage like a maintenance contract, expect to see higher rates, cancellation, or possibly even prosecution for felony insurance fraud.
 
Well you are in washington so get someone that knows insurance in that state since they very from state to state. Each states have different amounts that they can or can not charge for. California companies can not charge for damadge that is under $750 as long as their is no bodily injury. In california it would be under the comp coverage as jemcam said. And since you didn't do it you would not be charged a point.

Edit: fixed jemcam's name
 
Know where I'd be able to find a list of the laws varying by state or anything like that? I've had them roughly a year and this is my first time wanting to use the insurance and don't really forsee needing to use it for a long long time.

- Kevin
 
Your insurance agent should be able to answer this, if he cannot tell you for sure then you should switch agents.

EDIT: This is a pretty black and white incident, if there was some questionable info then the agent might not be able to answer you but this is a pretty basic thing that happened.
 
If she cannot tell you, ask her if she could please find out and call you back, you pay her for a reason. Also some companies will allow you to make a claim, get advice, but not claim any money so it will not count against you. Only some do this though.
 
I appreciate the help. 😀 I think I found something on the law for my state but I believe it says that they just can't cancel my liability/collision insurance for a comprehensive claim but they can cancel my comprehensive insurance.
 
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