Nick1994
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Hitting the curb was your fault and your insurance paid to fix your car, you're gonna have to pay up for higher insurance rates. It is a collision claim, not comprehensive.
Auto insurance: Getting a claim reclassified
- Thread starter Benzadmiral
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If you own the car outright, you can drop collision and comprehensive completely. Of course, the only way to collect if your car is in an accident is from the other driver, assuming he/she is at fault. If the car is stolen of ruined by a Tornado or flood, you will be SOL without comprehensive.
Originally Posted By: spackard
Not to go on too much of a tangent, but comprehensive also covers a technical but important case. You get into a collision with another person, that person disputes the fault is his, and you need to get your car repaired because it's not safe to drive.
If you have comprehensive, a claim is made under comprehensive until fault is determined and you get your car repaired now. If you drop comprehensive and get into the above situation, you either pay out of pocket and risk partial denial for repairs once fault is determined, or you have the car sit in your driveway until fault is determined.
Comprehensive does not cover any type of moving/collision claim. Not sure where you heard this. Only time a moving accident is covered under comprehensive is if a falling object hits your vehicle prior to it hitting the ground.
Not to go on too much of a tangent, but comprehensive also covers a technical but important case. You get into a collision with another person, that person disputes the fault is his, and you need to get your car repaired because it's not safe to drive.
If you have comprehensive, a claim is made under comprehensive until fault is determined and you get your car repaired now. If you drop comprehensive and get into the above situation, you either pay out of pocket and risk partial denial for repairs once fault is determined, or you have the car sit in your driveway until fault is determined.
Comprehensive does not cover any type of moving/collision claim. Not sure where you heard this. Only time a moving accident is covered under comprehensive is if a falling object hits your vehicle prior to it hitting the ground.
Last edited:
JHZR2
Staff member
Geico business practices are iffy. Nearly as bad as progressive.
They tried a bait and switch on us regarding a teaser rare and then a five year old, no points, cellphone ticket that should have been purged. It took us from super ultra premium to super premium, with a few hundred bucks along with it. They promised it would go past their statute of limitations, which was arbitrary, then rates would drop. They didn't.
So now we have travelers, through a local agent, at a rate that beats geico.
They tried a bait and switch on us regarding a teaser rare and then a five year old, no points, cellphone ticket that should have been purged. It took us from super ultra premium to super premium, with a few hundred bucks along with it. They promised it would go past their statute of limitations, which was arbitrary, then rates would drop. They didn't.
So now we have travelers, through a local agent, at a rate that beats geico.
Originally Posted By: Benzadmiral
I wouldn't call $2400 a small claim!
What's it going to cost you over the next five years for that $2400?
I wouldn't call $2400 a small claim!
What's it going to cost you over the next five years for that $2400?
Originally Posted By: mrsilv04
Originally Posted By: Benzadmiral
(God, I hate this state.)
Then don't move to Illinois.
Paul... $2400 may not be a small claim, but as you've now found out... they're going to do what they can, to get most of their money back from you.
I was hit by someone else in 2009, and MY rates went up anyway. At first, it appeared that the other driver was uninsured, so I started the claims process with my insurance company. Guess what, that was a "claim".
Even though the other driver's insurance company finally accepted responsibility for the accident after about a week.... I had still filed a "claim" with my insurer.
Figure out how much pain (as in $$$) that you can tolerate on your next claim, and raise your deductible to that number.
Same story here, I was hit by someone who was insured but one of those "bare minumum" companies that you see advertising on daytime TV. When my agent heard who the other driver's company was she basically said that if I wanted the car fixed any time in the next year, I'd be better off filing a claim though my policy and let the subrogation department deal with getting the money from the other driver/policy. The other company finally called me about 3 weeks after my car came out of the shop.
The bad part for me was that 18 months later, I had a minor accident and since the first incident counted as a claim, this was accident #2 and I lost my accident free discount for 3 years. On the bright side, 2 years after the first accident, my company's subrogation department mailed me a check for the collision deductible that they wrangled out of the other driver's policy...
Originally Posted By: Benzadmiral
(God, I hate this state.)
Then don't move to Illinois.
Paul... $2400 may not be a small claim, but as you've now found out... they're going to do what they can, to get most of their money back from you.
I was hit by someone else in 2009, and MY rates went up anyway. At first, it appeared that the other driver was uninsured, so I started the claims process with my insurance company. Guess what, that was a "claim".
Even though the other driver's insurance company finally accepted responsibility for the accident after about a week.... I had still filed a "claim" with my insurer.
Figure out how much pain (as in $$$) that you can tolerate on your next claim, and raise your deductible to that number.
Same story here, I was hit by someone who was insured but one of those "bare minumum" companies that you see advertising on daytime TV. When my agent heard who the other driver's company was she basically said that if I wanted the car fixed any time in the next year, I'd be better off filing a claim though my policy and let the subrogation department deal with getting the money from the other driver/policy. The other company finally called me about 3 weeks after my car came out of the shop.
The bad part for me was that 18 months later, I had a minor accident and since the first incident counted as a claim, this was accident #2 and I lost my accident free discount for 3 years. On the bright side, 2 years after the first accident, my company's subrogation department mailed me a check for the collision deductible that they wrangled out of the other driver's policy...
Originally Posted By: A_A_G
Originally Posted By: spackard
Not to go on too much of a tangent, but comprehensive also covers a technical but important case. You get into a collision with another person, that person disputes the fault is his, and you need to get your car repaired because it's not safe to drive.
If you have comprehensive, a claim is made under comprehensive until fault is determined and you get your car repaired now. If you drop comprehensive and get into the above situation, you either pay out of pocket and risk partial denial for repairs once fault is determined, or you have the car sit in your driveway until fault is determined.
Comprehensive does not cover any type of moving/collision claim. Not sure where you heard this. Only time a moving accident is covered under comprehensive is if a falling object hits your vehicle prior to it hitting the ground.
Comprehensive covers moving claims if you hit an animal, like a deer or a moose.
Originally Posted By: spackard
Not to go on too much of a tangent, but comprehensive also covers a technical but important case. You get into a collision with another person, that person disputes the fault is his, and you need to get your car repaired because it's not safe to drive.
If you have comprehensive, a claim is made under comprehensive until fault is determined and you get your car repaired now. If you drop comprehensive and get into the above situation, you either pay out of pocket and risk partial denial for repairs once fault is determined, or you have the car sit in your driveway until fault is determined.
Comprehensive does not cover any type of moving/collision claim. Not sure where you heard this. Only time a moving accident is covered under comprehensive is if a falling object hits your vehicle prior to it hitting the ground.
Comprehensive covers moving claims if you hit an animal, like a deer or a moose.
It's been my experience when shopping for insurance a claim that went to subrogation and had a favorable outcome for your insurance company makes no difference. When I shopped for new insurance it still was a "claim" against my insurance company regardless of the favorable outcome.
BTW-I had to file the claim because the other party (who ran a red light and crashed in to me) had Geico and they were impossible to work with.
BTW-I had to file the claim because the other party (who ran a red light and crashed in to me) had Geico and they were impossible to work with.
Originally Posted By: Miller88
Originally Posted By: madRiver
Originally Posted By: exranger06
I don't see how this qualifies as a comprehesive claim. I would think this falls under collision.
Unless the curb moved into the car or fell its a collision. Your agent is clueless.
Learned that one the hard way. Always was under the assumption that Collision was if *I* did something stupid. Turns out, collision is also if anything collides with the vehicle - vehicle or not.
Debris from sky is comprehensive though. A tricycle fell off garage hook onto my car and counted as comprehensive.
Originally Posted By: madRiver
Originally Posted By: exranger06
I don't see how this qualifies as a comprehesive claim. I would think this falls under collision.
Unless the curb moved into the car or fell its a collision. Your agent is clueless.
Learned that one the hard way. Always was under the assumption that Collision was if *I* did something stupid. Turns out, collision is also if anything collides with the vehicle - vehicle or not.
Debris from sky is comprehensive though. A tricycle fell off garage hook onto my car and counted as comprehensive.
Originally Posted By: Miller88
was under the assumption that Collision was if *I* did something stupid. Turns out, collision
I'm pretty sure that you did do something stupid here.
was under the assumption that Collision was if *I* did something stupid. Turns out, collision
I'm pretty sure that you did do something stupid here.
Originally Posted By: A_A_G
Originally Posted By: spackard
Not to go on too much of a tangent, but comprehensive also covers a technical but important case. You get into a collision with another person, that person disputes the fault is his, and you need to get your car repaired because it's not safe to drive.
If you have comprehensive, a claim is made under comprehensive until fault is determined and you get your car repaired now. If you drop comprehensive and get into the above situation, you either pay out of pocket and risk partial denial for repairs once fault is determined, or you have the car sit in your driveway until fault is determined.
Comprehensive does not cover any type of moving/collision claim. Not sure where you heard this. Only time a moving accident is covered under comprehensive is if a falling object hits your vehicle prior to it hitting the ground.
You're right. If *I* carried collision then it would have been covered by my insurance until fault was determined. I dropped collision because I figured a 24 year old car would be totaled by any accident. So, I had to wait until fault was determined to be his, then get the repair.
Originally Posted By: spackard
Not to go on too much of a tangent, but comprehensive also covers a technical but important case. You get into a collision with another person, that person disputes the fault is his, and you need to get your car repaired because it's not safe to drive.
If you have comprehensive, a claim is made under comprehensive until fault is determined and you get your car repaired now. If you drop comprehensive and get into the above situation, you either pay out of pocket and risk partial denial for repairs once fault is determined, or you have the car sit in your driveway until fault is determined.
Comprehensive does not cover any type of moving/collision claim. Not sure where you heard this. Only time a moving accident is covered under comprehensive is if a falling object hits your vehicle prior to it hitting the ground.
You're right. If *I* carried collision then it would have been covered by my insurance until fault was determined. I dropped collision because I figured a 24 year old car would be totaled by any accident. So, I had to wait until fault was determined to be his, then get the repair.
Originally Posted By: Blkstanger
Originally Posted By: Benzadmiral
I wouldn't call $2400 a small claim!
What's it going to cost you over the next five years for that $2400?
That, and a bit more. If I'd known, I'd have skipped the claim -- but you have to understand that I've had very few accidents in my driving life, and the last one that was adjudged my fault was never. So I'm completely unused to the tricky stuff these companies pull.
Geico actually admits they'd have upped my rate for any claim, whether I'd been at fault or not. So during the next few months I'll find a broker and see what he can do for me.
Originally Posted By: Benzadmiral
I wouldn't call $2400 a small claim!
What's it going to cost you over the next five years for that $2400?
That, and a bit more. If I'd known, I'd have skipped the claim -- but you have to understand that I've had very few accidents in my driving life, and the last one that was adjudged my fault was never. So I'm completely unused to the tricky stuff these companies pull.
Geico actually admits they'd have upped my rate for any claim, whether I'd been at fault or not. So during the next few months I'll find a broker and see what he can do for me.
Originally Posted By: opus1
Same story here, I was hit by someone who was insured but one of those "bare minumum" companies that you see advertising on daytime TV.
What's the name of this insurance company?
I have a feeling it's one that they made fun of on Family Guy.
Same story here, I was hit by someone who was insured but one of those "bare minumum" companies that you see advertising on daytime TV.
What's the name of this insurance company?
I have a feeling it's one that they made fun of on Family Guy.
Originally Posted By: zzyzzx
Originally Posted By: opus1
Same story here, I was hit by someone who was insured but one of those "bare minumum" companies that you see advertising on daytime TV.
What's the name of this insurance company?
I have a feeling it's one that they made fun of on Family Guy.
Those people ("Call the XXXXXXX and save some time!") don't even operate in this benighted state, so I can't be tempted.
Originally Posted By: opus1
Same story here, I was hit by someone who was insured but one of those "bare minumum" companies that you see advertising on daytime TV.
What's the name of this insurance company?
I have a feeling it's one that they made fun of on Family Guy.
Those people ("Call the XXXXXXX and save some time!") don't even operate in this benighted state, so I can't be tempted.
Hmmmm. Maybe those of us in no-fault states are no worse off then the rest of you.
Do people that have good long term driving records and have paid tens of thousands of dollars in premiums over the decades really get screwed when they file a single claim?
Do people that have good long term driving records and have paid tens of thousands of dollars in premiums over the decades really get screwed when they file a single claim?
Originally Posted By: doitmyself
Hmmmm. Maybe those of us in no-fault states are no worse off then the rest of you.
Do people that have good long term driving records and have paid tens of thousands of dollars in premiums over the decades really get screwed when they file a single claim?
Yep, happens all the time. It's kind of a year to year thing with the insurance companies as they don't really recognize loyalty. You could switch at any time. People with accidents are lousy risks so they like to get rid of them by jacking up the rates. People without accidents are better customers.
Hitting a curb and causing $2400 worth of damage means you're a lousy driver. It means it's going to be a $2400+ lesson. There may be companies that are cheaper, Geico is only cheap if you don't have accidents, other companies are cheaper if you've had one or two.
Hmmmm. Maybe those of us in no-fault states are no worse off then the rest of you.
Do people that have good long term driving records and have paid tens of thousands of dollars in premiums over the decades really get screwed when they file a single claim?
Yep, happens all the time. It's kind of a year to year thing with the insurance companies as they don't really recognize loyalty. You could switch at any time. People with accidents are lousy risks so they like to get rid of them by jacking up the rates. People without accidents are better customers.
Hitting a curb and causing $2400 worth of damage means you're a lousy driver. It means it's going to be a $2400+ lesson. There may be companies that are cheaper, Geico is only cheap if you don't have accidents, other companies are cheaper if you've had one or two.
Originally Posted By: doitmyself
Do people that have good long term driving records and have paid tens of thousands of dollars in premiums over the decades really get screwed when they file a single claim?
Not necessarily.
Depends upon the quality of the company.
My company (Erie) has very stable, competitive rates.
I shop every two years to make sure of that.
Because I have been an Erie customer for 15 years, "Feature Fifteen" applies to my policy.
This means that "no surcharge will ever be applied to your policy for future at-fault accidents." (this from my policy renewal.)
Because I have been a customer for 22 years and have a track record with the company is a benefit.
That is why I stay away from Flo's, Lizards, etc and focus on companies with stable track records and excellent customer service.
Do people that have good long term driving records and have paid tens of thousands of dollars in premiums over the decades really get screwed when they file a single claim?
Not necessarily.
Depends upon the quality of the company.
My company (Erie) has very stable, competitive rates.
I shop every two years to make sure of that.
Because I have been an Erie customer for 15 years, "Feature Fifteen" applies to my policy.
This means that "no surcharge will ever be applied to your policy for future at-fault accidents." (this from my policy renewal.)
Because I have been a customer for 22 years and have a track record with the company is a benefit.
That is why I stay away from Flo's, Lizards, etc and focus on companies with stable track records and excellent customer service.
Originally Posted By: Wolf359
. . . Hitting a curb and causing $2400 worth of damage means you're a lousy driver. . . .
I resemble that remark. Besides, you haven't seen the height of that curb. Under most conditions, even here, curbs are low enough to slide under the rocker panel of an average sedan, except for the older areas of town with sunken roads and sidewalks jacked up by overgrown oak trees. Whenever I park by one of those concrete cliffs -- and I avoid it when I can -- I tell my passenger, "Don't open the door yet. Let me see if you can get out."
(I'll agree that that kind of damage makes the insurance company think the claimant is a lousy driver -- "lousy" in the sense of "too expensive for us.")
. . . Hitting a curb and causing $2400 worth of damage means you're a lousy driver. . . .
I resemble that remark. Besides, you haven't seen the height of that curb. Under most conditions, even here, curbs are low enough to slide under the rocker panel of an average sedan, except for the older areas of town with sunken roads and sidewalks jacked up by overgrown oak trees. Whenever I park by one of those concrete cliffs -- and I avoid it when I can -- I tell my passenger, "Don't open the door yet. Let me see if you can get out."
(I'll agree that that kind of damage makes the insurance company think the claimant is a lousy driver -- "lousy" in the sense of "too expensive for us.")
Originally Posted By: Tdbo
. . . That is why I stay away from Flo's, Lizards, etc and focus on companies with stable track records and excellent customer service.
I would too. But the rates in this stupid state are driving me down into the lower regions!
. . . That is why I stay away from Flo's, Lizards, etc and focus on companies with stable track records and excellent customer service.
I would too. But the rates in this stupid state are driving me down into the lower regions!
Originally Posted By: Benzadmiral
Originally Posted By: Tdbo
. . . That is why I stay away from Flo's, Lizards, etc and focus on companies with stable track records and excellent customer service.
I would too. But the rates in this stupid state are driving me down into the lower regions!
But see what happens when you go low?
Now you know.
Originally Posted By: Tdbo
. . . That is why I stay away from Flo's, Lizards, etc and focus on companies with stable track records and excellent customer service.
I would too. But the rates in this stupid state are driving me down into the lower regions!
But see what happens when you go low?
Now you know.
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