I hit a tree due to snow how that affects my insurance?
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?
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.
If you can pay for it outright, then no need for claim.
“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!
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.
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.
So the snow, a natural hazard, doesn’t help for the claim.
Nope. They would say it's your responsibility to drive safely in adverse conditions
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.
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.
No, once you make a claim it will impact your next renewal rate. Insurance only pays above your deductible when you are responsible.