Car Insurance Master Thread

[YSP]

My front windshield cracked.

Will using Geico glass coverage count as a claim?

Will it affect my rates if i change insurers in the future?

No, it's considered a comprehensive claim which doesn't affect rates and it would not count against you in the future when you switch companies. At least, Not with my company : )

[bubkiz]

No, it's considered a comprehensive claim which doesn't affect rates and it would not count against you in the future when you switch companies. At least, Not with my company : )

Thank you.

If I take a Defensive Driving course in NY and then move to OH, will the discount remain?

What if I take an NY course and move to OH before its applied?

[YSP]

Thank you.

If I take a Defensive Driving course in NY and then move to OH, will the discount remain?

What if I take an NY course and move to OH before its applied?

Won't help. The OH policies don't have that same discount and even the companies that do don't really give that impressive of a discount for it. Although generally the rates in OH are a lot lower anyway

[Mendel93]

GEICO now writes commercial policies (very competitively priced), which are 1 year policies. Register and insure the car under a business (could probably even be sole proprietor).

The rate they gave me was about $2300 for a year! Way more expensive than their private ins. rate.

[ExGingi]

The rate they gave me was about $2300 for a year! Way more expensive than their private ins. rate.

I was paying over $2,000/yr for Travelers commercial policy. Then GEICO started issuing such policies, I priced it and almost got one as it was going to save me quite a bit over travelers, but then I found out that GEICO allows you to have a car registered to a business even under their regular policies, so I opted for that for even greater savings. but until I found that option I was paying for commercial policies, as I have certain reasons not to want to have a vehicle registered under my name.

[aryeh1]

Police report should give you the name and address of the policy holder, that should be a good place to start

I tried that but had no luck contacting her..
Can i still go though her insurance? Does my insurance need to know about it,  do i have anything to lose if the police report says that she hit me as she wasn't looking at the road.

[chbochur]

I tried that but had no luck contacting her..
Can i still go though her insurance? Does my insurance need to know about it,  do i have anything to lose if the police report says that she hit me as she wasn't looking at the road.

Hmm, I'm pretty sure you can still contact her insurance, and go through that route. The only thing I'd be worried about is that if there's any chance the insurance company will decide it is even slightly your fault (their good at coming up with reasons why it should be) then it probably not worth it, because then your insurance will be notified and your insurance would go up. So it's something you gotta think about...

[aryeh1]

Hmm, I'm pretty sure you can still contact her insurance, and go through that route. The only thing I'd be worried about is that if there's any chance the insurance company will decide it is even slightly your fault (their good at coming up with reasons why it should be) then it probably not worth it, because then your insurance will be notified and your insurance would go up. So it's something you gotta think about...

If the police report clearly states she hit me while i was stopping for a red light, bec she was looking away , how can it be my fault?
So i should just call her insurance company?

[chbochur]

If the police report clearly states she hit me while i was stopping for a red light, bec she was looking away , how can it be my fault?
So i should just call her insurance company?

No idea how they can decide it's "partially" your fault, but that's all it takes...
You can either call her insurance but i believe you can ask the body shop to directly bill their insurance, I've never gone thru with it, so I can't tell you for sure.

[aryeh1]

No idea how they can decide it's "partially" your fault, but that's all it takes...
You can either call her insurance but i believe you can ask the body shop to directly bill their insurance, I've never gone thru with it, so I can't tell you for sure.

I haven't done this before either, so i would just call her insurance and tell them about the accident?

[chbochur]

I haven't done this before either, so i would just call her insurance and tell them about the accident?

Yea, and tell them you have an accident report, they might tell you to go about it a different way, but can't hurt to try it this way

[aryeh1]

Yea, and tell them you have an accident report, they might tell you to go about it a different way, but can't hurt to try it this way

Thanks, just wondering if i call up her insurance company, will her insurance potentially go up as they will now know about it or they will likely know anyways, as theres a police report.

Not looking to really mess her up...

[chbochur]

Thanks, just wondering if i call up her insurance company, will her insurance potentially go up as they will now know about it or they will likely know anyways, as theres a police report.

Not looking to really mess her up...

They will only know when they renegotiate her price, till then they won't look at the police report

[aryeh1]

They will only know when they renegotiate her price, till then they won't look at the police report

Thanks

But if it goes through insurance and they pay for a claim now , it will be more likely for it to increase no? vs them not paying out anything

[chbochur]

Thanks

But if it goes through insurance and they pay for a claim now , it will be more likely for it to increase no? vs them not paying out anything

Correct

[Yehuda25]

I skid on black ice and hit a parked car in a parking lot, 3k damage to mine, 1k damage to his.


What's the chances my insurance does not go up significantly?

[Yehuda25]

I skid on black ice and hit a parked car in a parking lot, 3k damage to mine, 1k damage to his.


What's the chances my insurance does not go up significantly?

Bump?

[Z56]

I skid on black ice and hit a parked car in a parking lot, 3k damage to mine, 1k damage to his.


What's the chances my insurance does not go up significantly?

Contact your insurance broker

[rockstarhockstar]

Anyone know of a way to get quotes from multiple insurance companies at once?

[Z56]

Anyone know of a way to get quotes from multiple insurance companies at once?

Auto insurance ?