would my parked car being hit in a parking garage make my insurance rate go up?
So I had my car (2010 Focus beater) parked in a Holiday Inn underground parking garage for 2 weeks on vacation over Christmas holidays and when I came back to pick it up someone had hit it, doing minor damage to the bumper and cracked taillight which I replaced/repaired myself. 3 months later I got a letter from some insurance company saying the my claimed was denied which I knew nothing about. I called the number on the letter and they said my car had been hit by their clients car but it had been stolen so they weren't covering the damage to my car. No big deal.
So just the other day I was shopping around for liability insurance and got a great quote online but when finalizing it, the rate jumped due to an accident reported - I'm assuming from the above incident. is this possible/correct? I never even reported it to anyone :confused: EDIT: the local police were involved with this and that's how the insurance company got involved...I'm assuming. |
I was always told no, for comp claims, collision claims yes, but I never reported anything, except glass. I did get a new windshield and I refused safelite and insisted upon Saint Gobain Sekurit with the mfg. logo, costing the insurance co. at least 5X more. Again, no change in rates.
Something doesn't seem right. Meaning, who cares if the other vehicle were stolen... In PA, if you have a moving violation, 1, the insurance co. cannot raise your rates. What they do is remove your good driver discount, which, really is raising one's rates... I would pursue it. You didn't do anything so imho your rates should not go up. |
Originally Posted by Johnhav430
(Post 10445607)
Something doesn't seem right. Meaning, who cares if the other vehicle were stolen...
- stupid me - I trusted the insurance co to be correct (legally and morally). |
I think your insurance would definitely increase with a claim such as this. |
Originally Posted by LexsCTJill
(Post 10445686)
I think your insurance would definitely increase with a claim such as this. |
If the OP is not claiming it with his insurance company, I see no reason why they insurance rate should go up.
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I was always told, say you hit a deer. That's comprehensive, so rates do not go up.
Say a shovel falls off a landscaping truck and punctures your oil pan and you sustain damage, that's collision. rates go up......insurance gets us no matter what lol |
Originally Posted by link13
(Post 10445695)
If the OP is not claiming it with his insurance company, I see no reason why they insurance rate should go up.
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Originally Posted by bagwell
(Post 10445692)
even tho I didn't contact the insurance co of the vehicle that was responsible???
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Originally Posted by LexsCTJill
(Post 10446345)
You said your claim was denied. What did that mean? This is very odd. Were you aware that there was a police report at all?
I thought some idiot just tagged my car when parking. |
Originally Posted by bagwell
(Post 10446841)
nope, no idea there was a police report - apparently the cops were chasing the car when it hit a couple of vehicles including mine and did the report, I never submitted anything to anyone - cops or insurance.
I thought some idiot just tagged my car when parking. |
Originally Posted by LexsCTJill
(Post 10446876)
Early you said you got a letter from some insurance company and it was denied. What did you mean by that?
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Originally Posted by bagwell
(Post 10446978)
yes, true - out of the blue I received the letter and had no clue what it was about - I had to call them to find out it was related to the above incident.
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Originally Posted by Johnhav430
(Post 10445607)
Something doesn't seem right. Meaning, who cares if the other vehicle were stolen...
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Originally Posted by LexsCTJill
(Post 10447021)
Actually, you should care. If a stolen vehicle was to hit you, the insurance of the stolen vehicle will not cover you.
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