would my parked car being hit in a parking garage make my insurance rate go up?
02-21-19, 12:32 PM
#16
Lexus Fanatic
What I mean is we're assuming a person has full coverage. I have always been tempted to cancel collision, but not comp. One, comp is not expensive. Two, it covers as mentioned, deer, falling trees, Things that I cannot really control. So stolen or hit and run, who cares other than I don't want a car with bodywork. We can't beat ourselves up if a thief hits us.
02-21-19, 12:40 PM
#17
1) insurance companies cannot charge you for an claim paid out that never paid out but based on your situation, it seems as though a chargeable claim payout is on your record.
2) you'd need to contact your prior insurance company and find out if there was a "chargeable accident" history and if so, why , who made the claim and who this payment was made to and who cashed the check. They should have a record of that.
3) you'd also need to contact the insurance co you are obtaining a quote from and request the "mvr" report if available and request the details of that quote so you can keep for your records to clear things up going forward.
4) collision vs comp. if a damage arose between your vehicle and another vehicle its usually covered under collision coverage. If you had the uninsured motorist on your policy, it would likely be paid through that coverage (had you made a claim)
Other than some phone calls and producing proof on your part, there's not much to be worried about.
Hope that helps.
2) you'd need to contact your prior insurance company and find out if there was a "chargeable accident" history and if so, why , who made the claim and who this payment was made to and who cashed the check. They should have a record of that.
3) you'd also need to contact the insurance co you are obtaining a quote from and request the "mvr" report if available and request the details of that quote so you can keep for your records to clear things up going forward.
4) collision vs comp. if a damage arose between your vehicle and another vehicle its usually covered under collision coverage. If you had the uninsured motorist on your policy, it would likely be paid through that coverage (had you made a claim)
Other than some phone calls and producing proof on your part, there's not much to be worried about.
Hope that helps.
02-21-19, 12:41 PM
#18
From the police report it is on the record that your car was involved in an accident. The police, from your license tag, pulled your registration information which was included in their report. As is customary, when you applied for new coverage, the insurance company ran an MVR to obtain your driving record for tickets and accidents, and the report showed up. When the insurance company underwriter (or computer program) is scoring your application for new coverage, just the fact that you were involved in an accident affects rates.
If you have your coverage with an independent agent, or a company with a local agent that you know, I would suggest talking to them about trying to clean up the record since you were not at fault, did not file a claim, and really weren’t involved in the accident.
If you have your coverage with an independent agent, or a company with a local agent that you know, I would suggest talking to them about trying to clean up the record since you were not at fault, did not file a claim, and really weren’t involved in the accident.
02-21-19, 12:53 PM
#19
Lexus Fanatic
I disagree, that's the equivalent of hit and run. I could always be wrong, but I don't even care to research. If it happens, I'll find out at that time.
02-21-19, 12:56 PM
#20
Lexus Fanatic
1) insurance companies cannot charge you for an claim paid out that never paid out but based on your situation, it seems as though a chargeable claim payout is on your record.
2) you'd need to contact your prior insurance company and find out if there was a "chargeable accident" history and if so, why , who made the claim and who this payment was made to and who cashed the check. They should have a record of that.
3) you'd also need to contact the insurance co you are obtaining a quote from and request the "mvr" report if available and request the details of that quote so you can keep for your records to clear things up going forward.
4) collision vs comp. if a damage arose between your vehicle and another vehicle its usually covered under collision coverage. If you had the uninsured motorist on your policy, it would likely be paid through that coverage (had you made a claim)
Other than some phone calls and producing proof on your part, there's not much to be worried about.
Hope that helps.
2) you'd need to contact your prior insurance company and find out if there was a "chargeable accident" history and if so, why , who made the claim and who this payment was made to and who cashed the check. They should have a record of that.
3) you'd also need to contact the insurance co you are obtaining a quote from and request the "mvr" report if available and request the details of that quote so you can keep for your records to clear things up going forward.
4) collision vs comp. if a damage arose between your vehicle and another vehicle its usually covered under collision coverage. If you had the uninsured motorist on your policy, it would likely be paid through that coverage (had you made a claim)
Other than some phone calls and producing proof on your part, there's not much to be worried about.
Hope that helps.
02-21-19, 03:27 PM
#21
Lexus Champion
Thread Starter
From the police report it is on the record that your car was involved in an accident. The police, from your license tag, pulled your registration information which was included in their report. As is customary, when you applied for new coverage, the insurance company ran an MVR to obtain your driving record for tickets and accidents, and the report showed up. When the insurance company underwriter (or computer program) is scoring your application for new coverage, just the fact that you were involved in an accident affects rates.
If you have your coverage with an independent agent, or a company with a local agent that you know, I would suggest talking to them about trying to clean up the record since you were not at fault, did not file a claim, and really weren’t involved in the accident.
If you have your coverage with an independent agent, or a company with a local agent that you know, I would suggest talking to them about trying to clean up the record since you were not at fault, did not file a claim, and really weren’t involved in the accident.
02-21-19, 03:42 PM
#23
Lexus Champion
Thread Starter
02-21-19, 03:52 PM
#24
Lexus Fanatic
02-21-19, 06:24 PM
#26
Lexus Fanatic
So how did that not happen then to your other car? My insurance for my two cars is tied to me and my licence, same time same renewal. . Husbands is the same for his two. So how do you do one and not the other? Never heard of that.
02-21-19, 08:54 PM
#27
Lexus Champion
Thread Starter
..for an airline.And they didn't have my driver's license info at all.
Last edited by bagwell; 02-21-19 at 08:58 PM.
02-21-19, 09:07 PM
#28
Lexus Fanatic
02-22-19, 06:22 AM
#29
Fortunately your situation was relatively simple, but had your scenario involved your other car and more significant damage, it could have been a can of worms. The result would depend on the car owner's coverage, the driver's coverage, and your coverage. For example, some policies (particularly nonstandard policies) only cover drivers named in the policy, some have low limits so if multiple cars are hit there is insufficient limits to repair all cars.
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