Misc.

I hit a tree due to snow how that affects my insurance?

Facebook zukc
Feb 11

I’m new to the insurance system in the US. I accidentally hit a tree this morning due to the snow. Now I got some damages in my bumper. I want to fix it and claim the insurance. Can I get the full refund and not get recorded so that my car insurance will not increase. Any advice?

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  • Microsoft BarFoo
    How do you expect to get your insurance company to pay for your repairs and not record the fact that they paid out a claim?
    Feb 110
  • New DuQvV7x
    “I want to fix it and claim the insurance. Can I get the full refund and not get recorded so that my car insurance will not increase.”

    I also want to eat my cake and have it too!
    Feb 110
  • RackWare Dreamlight
    Is the repair cost more than the deductible? If it's a minor damage, pay out of pocket and don't claim.

    Anytime you make a claim, it is recorded and may shoot up your premiums in the next cycle.
    Feb 111
    • Intel bxsnlns
      If you can pay for it outright, then no need for claim.
      Feb 11
  • Apple 🗣ur🧠
    Sure. Just call your insurance company and ask them to just give you money for no reason. We just hand out money for free here.

    The serious answer is no. You file a claim. They pay. Your insurance premium goes up next renewal because you are a higher risk to them. That’s how insurance works everywhere in the world.
    Feb 110
  • Facebook zukc
    OP
    So the snow, a natural hazard, doesn’t help for the claim.
    Feb 119
    • New dluz61
      Nope. They would say it's your responsibility to drive safely in adverse conditions
      Feb 11
    • Facebook public2
      Furthermore your rate would go up if your car was parked and someone else hit it. Insurance is calculating the risk of having to pay for you.
      Feb 11
    • New WsPM48
      Don't listen to public2; they are going to care about where it is garaged, but not about a specific non-moving vehicle claim
      Feb 11
    • Facebook public2
      100% they will and this happens hence trying to help op! Even if you are 0% at fault their risk goes up because you are more accident prone and therefore riskier in their evaluation. Any claim cost them money and increases your risk. Sorry.
      Feb 11
    • American Express _________!
      wtf is the point of insurance then
      Feb 11
    • Facebook public2
      It covers the first part of one's liabillity in a catastrophic accident (your umbrella policy covers the rest).
      Feb 11
    • New WsPM48
      Too bad you don't know what the heck you are talking about. Only a driving accident will generally have any impact, unless you have a repeated pattern of other problems. It is all about the actuarial measured risk.
      Feb 11
    • Facebook public2
      That's simply incorrect. But hey if my experience and common sense doesn't do it for you please do go ahead and research it yourself, this is very easy to google and read your insurers policy (most have friendly FAQ style articles). Miss the days when facts were facts lol.
      Feb 11
    • RackWare Dreamlight
      Insurance in America itself is a scam. The whole point of insurance is to protect you in case of an accident. Unfortunately, if you cost the insurance company money, they will indirectly "recover" it from you. Thereby you lose more money.

      Only claim if it's an extensive damage.
      Feb 11
  • Facebook public2
    Don't claim it and just fix it. Insurance rate will be higher for many years and likely exceed the repair cost. Only file insurance claim if you absolutely have to and hurt someone else.
    Feb 110
  • VMware BiggySmlz
    No, once you make a claim it will impact your next renewal rate. Insurance only pays above your deductible when you are responsible.
    Feb 110
  • Juniper / Engsixpack
    Fix it by paying for repairs. Write a check yourself and get a full refund. It won’t get recorded and your car insurance will not increase.
    Feb 110

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