I enjoy full coverage on my vehicle insurance..i accidently dented my motor and broke the glass my self what i do?
i have full coverage on my car insurance ,,i accidently broke the driver side porthole and dented the door my self,,what should i do? tell the insurance that somebody else did it and have them fix it?..they supposed to right?
Answers:
Blame it on a minority.
Since you have full coverage insurance I would freshly file a claim of "vandalism", pay your deductable, catch it fixed and move on with your existence.
-J.
Don't lie to the insurance company. That's called FRAUD, and you can stir to jail for that.
If you claim uner your insurance. The dent the will pay out of collision and the windowpane they will pay out of comprehensive. In most cases depending on the insurance and there thershold rule. The premium can up at the renewal. So the best to do is attain a estimate and so if you can afford to fix on your own first. Good Luck. Source(s): I work for insurance company
It doesn't issue whether you broke it or someone else did -- unless you can provide contact information for the "other" person (to have their insurance discharge for it, or determine that they're uninsured) the case will be handled equal: you pay for repairs up to your deductable, and they pay beyond it.
So dance get an estimate. If it's below or up to your deductible, get it fixed yourself and don't report it. If it's above, settle on if it's worth it to have your insurance cover the above-deductible price in return to (possibly) increased rates. For instance, if your deductible is $500, and the injury costs $550 to fix, I would just pay for it out of pocket.
cindy I would get it fix by yourself not insurance
If you can fix it yourself inexpensively you should , because if you call it contained by it's a claim that is on your record and too frequent claims close together in a short period of time can head to non-renewal Source(s): Former Farmers Insurance employee
uuuh... that would be immoral, wouldn't it? Even if you get the insurance to pay for the repair, they would bring to the fore your rates in the future, so basically pay for it yourself.
You could report it to your insurance provider but at the risk of driving your rates up. I would suggest going to a scrap yard and replacing the windowpane yourself. And leave insurance out of it. But... you do have full coverage so they would repair the skylight for you. Source(s): I work for Farmers Insurance
You can either fix it yourself (save yourself a rise in your monthly insurance payment) or telephone your insurance company and file a claim. They will fix it but I would expect you must pay your deductable, anything that may be.
You can use fix it yourself or have your insurance company fix it. It doesn't matter - it will probably cost you more if you shift through your insurance company because they will most likely raise your premium.
Claim vandilism if you have that coverage
The claim vandalism in fact works I have a friend who just did this. Her sister reversed her sports car into her front bumper. She called the insurance company and claimed she was parked within public and when she got back to the saloon it was dented. They bought the story. So I figure only just make sure your story adds up.
I would get an estimate on the blight versus your deductible. If its less then the deductible near is no point to report it since you are responsible for that amount anyway. Even if its a little more then your deductible you may want to consider paying for it yourself and same the claim for when here is major damage. Even minor claims can increase your premium every year. Source(s): I am an insurance agent contained by Louisanna
Not a flawless idea to LIE to your insurance company! It's called fraud..... Call your agent and recount him/her what happened.
No any way it's going to hurt your insurance premium. Not to mention insurance fraud is a jail-able offense not worth it for less than $500 contained by damage is it? If it's a dent does it really matter?? Does it affect the overall coup¨¦. Is it so bad that you don't mind your insurance premium going up??
Windows are usually less than what a mundane deductible runs. Anywhere from $150-300. Unless you have $100 deductible which I doubt....most have $500-$1000.
OOOOOOOOOOOOOOOOOOOOOOPPPPPPPPPPS
i would just forget that??
how do u break ur own glass!?!??!?!?!
Don't lie, that makes everybody's premium increase, including yours. Fix it
If describe your insureance that somebody else did it thats insurance fraud. It will much wiser for you to fix it yourself.
all right it's wrong, but if the insurance company fixes it, your future premiums will increase. so you'll most likely wrapping up up paying more in the long run because of it. i suggest you fixing it without the insurance company and try to be more far-sighted next time.
You f***ing idiot. Go ahead and claim as comp. -- the damage does not LOOK the same and the appraiser can share the difference. You will be non-renewed and your ins rates will triple because you will only be able to purchase high-risk coverage.
If you hold collision coverage just file a claim! It doesn't business if you did it if it was an accident.
( I detestation morons like you)
Related Questions:
Answers:
Blame it on a minority.
Since you have full coverage insurance I would freshly file a claim of "vandalism", pay your deductable, catch it fixed and move on with your existence.
-J.
Don't lie to the insurance company. That's called FRAUD, and you can stir to jail for that.
If you claim uner your insurance. The dent the will pay out of collision and the windowpane they will pay out of comprehensive. In most cases depending on the insurance and there thershold rule. The premium can up at the renewal. So the best to do is attain a estimate and so if you can afford to fix on your own first. Good Luck. Source(s): I work for insurance company
It doesn't issue whether you broke it or someone else did -- unless you can provide contact information for the "other" person (to have their insurance discharge for it, or determine that they're uninsured) the case will be handled equal: you pay for repairs up to your deductable, and they pay beyond it.
So dance get an estimate. If it's below or up to your deductible, get it fixed yourself and don't report it. If it's above, settle on if it's worth it to have your insurance cover the above-deductible price in return to (possibly) increased rates. For instance, if your deductible is $500, and the injury costs $550 to fix, I would just pay for it out of pocket.
cindy I would get it fix by yourself not insurance
If you can fix it yourself inexpensively you should , because if you call it contained by it's a claim that is on your record and too frequent claims close together in a short period of time can head to non-renewal Source(s): Former Farmers Insurance employee
uuuh... that would be immoral, wouldn't it? Even if you get the insurance to pay for the repair, they would bring to the fore your rates in the future, so basically pay for it yourself.
You could report it to your insurance provider but at the risk of driving your rates up. I would suggest going to a scrap yard and replacing the windowpane yourself. And leave insurance out of it. But... you do have full coverage so they would repair the skylight for you. Source(s): I work for Farmers Insurance
You can either fix it yourself (save yourself a rise in your monthly insurance payment) or telephone your insurance company and file a claim. They will fix it but I would expect you must pay your deductable, anything that may be.
You can use fix it yourself or have your insurance company fix it. It doesn't matter - it will probably cost you more if you shift through your insurance company because they will most likely raise your premium.
Claim vandilism if you have that coverage
The claim vandalism in fact works I have a friend who just did this. Her sister reversed her sports car into her front bumper. She called the insurance company and claimed she was parked within public and when she got back to the saloon it was dented. They bought the story. So I figure only just make sure your story adds up.
I would get an estimate on the blight versus your deductible. If its less then the deductible near is no point to report it since you are responsible for that amount anyway. Even if its a little more then your deductible you may want to consider paying for it yourself and same the claim for when here is major damage. Even minor claims can increase your premium every year. Source(s): I am an insurance agent contained by Louisanna
Not a flawless idea to LIE to your insurance company! It's called fraud..... Call your agent and recount him/her what happened.
No any way it's going to hurt your insurance premium. Not to mention insurance fraud is a jail-able offense not worth it for less than $500 contained by damage is it? If it's a dent does it really matter?? Does it affect the overall coup¨¦. Is it so bad that you don't mind your insurance premium going up??
Windows are usually less than what a mundane deductible runs. Anywhere from $150-300. Unless you have $100 deductible which I doubt....most have $500-$1000.
OOOOOOOOOOOOOOOOOOOOOOPPPPPPPPPPS
i would just forget that??
how do u break ur own glass!?!??!?!?!
Don't lie, that makes everybody's premium increase, including yours. Fix it
If describe your insureance that somebody else did it thats insurance fraud. It will much wiser for you to fix it yourself.
all right it's wrong, but if the insurance company fixes it, your future premiums will increase. so you'll most likely wrapping up up paying more in the long run because of it. i suggest you fixing it without the insurance company and try to be more far-sighted next time.
You f***ing idiot. Go ahead and claim as comp. -- the damage does not LOOK the same and the appraiser can share the difference. You will be non-renewed and your ins rates will triple because you will only be able to purchase high-risk coverage.
If you hold collision coverage just file a claim! It doesn't business if you did it if it was an accident.
( I detestation morons like you)
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