would my parked car being hit in a parking garage make my insurance rate go up?
#1
Lexus Champion
Thread Starter
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
EDIT: the local police were involved with this and that's how the insurance company got involved...I'm assuming.
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
EDIT: the local police were involved with this and that's how the insurance company got involved...I'm assuming.
Last edited by bagwell; 02-20-19 at 09:46 AM.
#2
Lexus Fanatic
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.
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.
#3
Lexus Champion
Thread Starter
- stupid me - I trusted the insurance co to be correct (legally and morally).
Last edited by bagwell; 02-20-19 at 09:58 AM.
#5
Lexus Champion
Thread Starter
#7
Lexus Fanatic
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
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
Trending Topics
#8
Lexus Champion
Thread Starter
#9
Lexus Fanatic
#10
Lexus Champion
Thread Starter
I thought some idiot just tagged my car when parking.
#11
Lexus Fanatic
Early you said you got a letter from some insurance company and it was denied. What did you mean by that?
#12
Lexus Champion
Thread Starter
#13
Lexus Fanatic
So, the other insured car very likely filed a claim. Your car was in the police report. One insurance company contacted the other insurance and so its now on record that your car was in an accident,
#14
Lexus Fanatic
#15
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.