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insurance history

M

Maverick2002

Diamond Member
Not too long ago I tapped a pole with my car. No extensive damage, just expensive bodywork (both places where I got estimates want to replace the bumper, headlight assembly, side, and repaint/blend a whole bunch and the labor is killer). Now, the total would come out ot be $1400- $1700. If I go through insurance, I would only have to pay the $500 deductible, but insurance would jump up for 3 years, with me paying a total of $600 more (so $1100 total, or $300 - $600 savings). My question is this - would having this on record affect anything in the long run (i.e. insurance rates for other companies if I were to leave this one at some point, etc)?
 
Based on an experience I had, it would cost the same either way in the long run.

I'd rather keep it off the record.
 
Depends upon your rating with your insurance company, and which company. Some companies, like Geico, allow you to make some low cost claims (under $3,000 and assuming you have a good rating with them) without affecting the cost of your policy.

Simple solution... Call your agent / company and ask them.
 
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