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?
- Microsoft BarFooHow do you expect to get your insurance company to pay for your repairs and not record the fact that they paid out a claim?
- 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.
- 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.
- 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 111