Accident- When to pay out-of-pocket vs. insurance claim

[Saver2000]

when making a claim with your CC insurance (for example AMEX, i currently dont have a primary auto insurance) for a rental car, does it effect you in any way?

I'm not sure I understand your question,  but let me try.

The cc will cover as primary. AFAIK, if there was a police report written up, it will effect you in the long run (wgen you apply for auto insurance), but that has nothing to do with wether or not you  claim cc insurance.

If the cc company requies a police report - that's where the effect would be.

[lbvtch]

I'm not sure I understand your question,  but let me try.

The cc will cover as primary. AFAIK, if there was a police report written up, it will effect you in the long run (wgen you apply for auto insurance), but that has nothing to do with wether or not you  claim cc insurance.

If the cc company requies a police report - that's where the effect would be.

thank you

[12HRS]

My wife hit a car. Relatively light body damage. It will be her fault, the driver agreed to go direct without insurance but then sent us a bill he has showing the damage at close to $1k. It looks like its mostly labor and the rate is a good amount more then my mechanic would charge. Is it normal to request them to use a different mechanic? I can't imagine I should pay out of pocket just based on one quote.

[beeweegee]

My wife hit a car. Relatively light body damage. It will be her fault, the driver agreed to go direct without insurance but then sent us a bill he has showing the damage at close to $1k. It looks like its mostly labor and the rate is a good amount more then my mechanic would charge. Is it normal to request them to use a different mechanic? I can't imagine I should pay out of pocket just based on one quote.

I don't think that's an unreasonable request at all.

[aryeh1]

Does my insurance (geico) go up if a car hit me while parked

[aygart]

Does my insurance (geico) go up if a car hit me while parked

It shouldn't. Do you know who the driver was?

[aryeh1]

It shouldn't. Do you know who the driver was?

Yes but problem is happened twice same week -2 separate incidents, both were police reports