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Question about Maintenance schedule and Insurance

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happyguy155

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Maintenance:
Is there a checklist that I can find somewhere that I can copy and mark down what has and needs to be done? I'm about to buy a Honda Accord with about 60,000 miles and I'd like the previous owner to give me all the details of what has been recently done so I know what needs changing in the future


Insurance:
If I get hit in the parking lot and I come to find a big dent in my car, wouldn't it raise my rates to use insurance to fix it?

Lets say the damage cost 2,000
Deductible 1,000

Wouldn't Geico jack up my rates to make that 1,000 back over the next few years?
 
I don't know about Geico, but nationwide does not raise rates for an incident where the vehicle was parked. I did have to pay a deductible, but it is lower than the normal deductible when I wasn't involved in the wreck.
 
I called them earlier and they told me it would be on a "case by case basis." I just assumed this means, "yes, most of the time we will increase your rates."

Anybody have personal experience with geico?
 
owners manual normally has a guide somewhere in the back. I'm not sure how honda goes by but VW's normally go by 5k, so in a sense 5k, 10, 15,30,60, my infiniti does it 3750miles.

As for insurance. If a car hit your car it will fall under collision, even if your parked. You file and well hope your insurance company doesn't care. If they do they will make more then that $1000 back. Each company has different guidelines, like i've been told farmers looks only 3 years back and statefarm does 5years.

Now if say a shopping cart somehow managed to do $2000 worth of damage then this would be under comprehensive. Some people have a lower deductible for that. But with a comprehensive claim they shouldn't raise up the rates, SHOULDN'T is key again each company has their own rulebook. Which is the main reason why the rates varies.

Somethings are better to do out of pocket and some things are better to just file a claim.
 
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