claiam and premium increase

[amanda992004]

If there is a ng for ht ekind of question I am about to ask, please
direct me to it. In the mean time, my question is
"would claiming the damage cause by my hitting a curb increase my
premium?" I hit a curb last September and there was some dent and paint
scrathes on lower left fender and the lady at autobody place was
suggesting me to get the repair done - I would pay deductible 500 - but
I am concern that doing so would raise my premium". She told me to
call the insurance and asked about it but I can't ask w/o the insurance
finding out about it so I am asking here how that would affect my
future premium.

 

[Jim Stewart]

If there is a ng for ht ekind of question I am about to ask, please
direct me to it.

This is *not* it.

This newsgroup is blessedly free from off-topic
discussions and when you get into non-Subaru
specific insurance and legal issues, you are
off-topic and are a distraction to many of us.

I don't know what newsgroup would be on-topic and
it's not our job to find it for you.

*please* restrict your posts to Subaru-specific
inquiries. That's what the group is for.

 

[Cam Penner]

@g47g2000cwa.googlegroups.com>, (e-mail address removed)
says...

If there is a ng for ht ekind of question I am about to ask, please
direct me to it. In the mean time, my question is
"would claiming the damage cause by my hitting a curb increase my
premium?" I hit a curb last September and there was some dent and paint
scrathes on lower left fender and the lady at autobody place was
suggesting me to get the repair done - I would pay deductible 500 - but
I am concern that doing so would raise my premium". She told me to
call the insurance and asked about it but I can't ask w/o the insurance
finding out about it so I am asking here how that would affect my
future premium.

Well, based on all the useful information you've provided,
I can tell you with 100% confidence - Maybe.

 

[Dr. Rastis Fafoofnik]

If there is a ng for ht ekind of question I am about to ask, please
direct me to it. In the mean time, my question is
"would claiming the damage cause by my hitting a curb increase my
premium?" I hit a curb last September and there was some dent and paint
scrathes on lower left fender and the lady at autobody place was
suggesting me to get the repair done - I would pay deductible 500 - but
I am concern that doing so would raise my premium". She told me to
call the insurance and asked about it but I can't ask w/o the insurance
finding out about it so I am asking here how that would affect my
future premium.

How the hell do you hit the curb with the LEFT fender?
Are you for real Amanda? For god's sake I hope your better in BED than you
are on the road and in taking care of your
personal problems.
Your living proof that "Common Sense" is NOT so common. Just another day in
the life of Amanda..the Drama Queen.

 

[amanda992004]

How the hell do you hit the curb with the LEFT fender?

Are you that stoopid? Did you read "the damage caused by my hitting a
curb" and understood it as hitting the curb with left fender? Go take
your meds.

 

[amanda992004]

Well, based on all the useful information you've provided,
Thanks. Yes, someone finally was able to tell give the same answer.

 

[William]

If there is a ng for ht ekind of question I am about to ask, please

direct me to it.

alt.autos.amanda.die.die.die.

 

[B a r r y]

If there is a ng for ht ekind of question I am about to ask, please
direct me to it. In the mean time, my question is
"would claiming the damage cause by my hitting a curb increase my
premium?"

I thought you wrecked the car in a different accident? <G>

 

[Frank Logullo]

If there is a ng for ht ekind of question I am about to ask, please
direct me to it. In the mean time, my question is
"would claiming the damage cause by my hitting a curb increase my
premium?" I hit a curb last September and there was some dent and paint
scrathes on lower left fender and the lady at autobody place was
suggesting me to get the repair done - I would pay deductible 500 - but
I am concern that doing so would raise my premium". She told me to
call the insurance and asked about it but I can't ask w/o the insurance
finding out about it so I am asking here how that would affect my
future premium.

Ask your agent. I had a small encounter with my garage a couple of months
ago and was told by State Farm that a bill to them of something like $750
would raise my premium. I have $250 deductible and went to approved shop
that I like to deal with and convinced them I did not need a new bumper
cover and kept cost below $750 level.

 

[Edward Hayes]

Not only is this an insurance and legal issue that should not be on
this NG. We don't have enough information for anyone here to advise
you. Insurance companies have general policies but those polices are
overridden by state laws such as NO FAULT States.

 

[Keapon Laffin]

Are you that stoopid? Did you read "the damage caused by my hitting a
curb" and understood it as hitting the curb with left fender? Go take
your meds.

"I hit a curb last September and there was some dent and paint scrathes on
lower left fender"

That's where it came from. Most people would assume that if you hit a curb
the damage to the car would be at and around the contact point.

 

[Frank Logullo]

Not only is this an insurance and legal issue that should not be on
this NG. We don't have enough information for anyone here to advise
you. Insurance companies have general policies but those polices are
overridden by state laws such as NO FAULT States.

I don't mind discussing automobile related items but have to agree with
another's comment that poor Amanda is a "drama queen" ;(
Frank

 

[l.lichtman]

Why wouldn't she be? She's on the staff of the Car Talk show: Amanda
B. Reckonedwith.

 

[amanda992004]

Why not try it for experience? Consider the variables of speed and
force and types of curb one can hit.

 

[amanda992004]

I thought you wrecked the car in a different accident? <G>
Yes, cosmetic damage when someone hit my car a month ago.

The curb-hitting was from last October. And egges thrown was about 3
weks before the last accident (of May 19). The former under collison
and the latter under comprehensive. I am considering to claim both now
and cash out as I found out that my curb-hitting won't raise my premium
since the cost of repair falls under the threshold value of $1000 (for
this state) that insurance would pay.

 

[amanda992004]

Ask your agent.

I was told that it's $1000. Later, I found out the amount is set not
by insurance companies but by state regulations.

I also have the option of not fixing it and take the cash.

 

[amanda992004]

We don't have enough information for anyone here to advise you.
Well..what if someone had the same experience and could give some
info? Before I posted here, I ALREADY called customer service of my
insurance company but the guy couldn't tell me. That's how
knowledgeable peopel are of their field nowadays.

Then, last night, I posted the question to all the surrounding
classmates (in Java programming class; BTW, no one said it's unrelated
to the course) sitting near me and found out that it depend and
insurance company.

So this morning, I called customer service again but mainly to make a
point that when some one is moving (busy to bother with checking mail
and stuff), they need to give customers more time to make the payment
on difference balance on premium increase due to new address, instead
of charging late fees for meager amount increase.

After getting nowhere (being put on hold), at the 3rd try, I finally
got a lady knowledgeable enough to give me the info about threshhold.

Insurance companies have general policies but those polices are

overridden by state laws such as NO FAULT States.
I found that out ACCIDENTALLY ONLY 1 1/2 ago when talking with another
insurance company when doing price comparison (for my sister) between
my compnay and hers. The CSR of hers told me when I used the word "how
much is your threshold" that it's state regulation.

I amazed that most people who grew up here don't know squat about
things I would know had I been raised in this country.

 

[GrumpyOldGeek]

I amazed that most people who grew up here don't know squat about
things I would know had I been raised in this country.

Then you *must* be smart enough to find a
better newsgroup for your information.

 

[CompUser]

Well..what if someone had the same experience and could give some
info?

You need to post more details then...time of day,
street name, wet/dry, color of car, type of
tires, passengers & names, inflation pressures,
that sort of stuff.

Before I posted here, I ALREADY called customer service of my
insurance company but the guy couldn't tell me. That's how
knowledgeable peopel are of their field nowadays.

If you don't provide the info, who can tell?

Then, last night, I posted the question to all the surrounding
classmates (in Java programming class; BTW, no one said it's unrelated
to the course) sitting near me and found out that it depend and
insurance company.

Well, that doesn't help much, does it?

So this morning, I called customer service again but mainly to make a
point that when some one is moving (busy to bother with checking mail
and stuff), they need to give customers more time to make the payment
on difference balance on premium increase due to new address, instead
of charging late fees for meager amount increase.

You should probably call them more often...two to
three times a day would probably get you the
respect you deserve.

After getting nowhere (being put on hold), at the 3rd try, I finally
got a lady knowledgeable enough to give me the info about threshhold.

overridden by state laws such as NO FAULT States.
I found that out ACCIDENTALLY ONLY 1 1/2 ago when talking with another
insurance company when doing price comparison (for my sister) between
my compnay and hers. The CSR of hers told me when I used the word "how
much is your threshold" that it's state regulation.

And remarkably, I'd suppose it all depends on
*what* threshold they were talking about.

I amazed that most people who grew up here don't know squat about
things I would know had I been raised in this country.

Are you some kind of uber-hotty, or is Daddy
stinkin' rich?

 

[Cam Penner]

@f14g2000cwb.googlegroups.com>, (e-mail address removed)
says...

I amazed that most people who grew up here don't know squat about
things I would know had I been raised in this country.

And which country is that? This is a worldwide newsgroup.
Assuming that someone is or is not from Australia shouldn't
be necessary to answer your questions. In fact, not
everything varies state by state, since not all countries
have states like Australia does. Some don't even have that
level of government at all.