i have full coverage on my car insurance..i accidently dented my car and broke the window my self what i do?

Question

i have full coverage on my car insurance ,,i accidently broke the driver side window 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?

i have never really been in an accident before...my driving record is pretty good..i pay for insurance every year,,,i think i should atleast get my window and door dent fix from my insurance considering i pay for it every year and never had to bother them..what do you think?,,,

i have never really been in an accident before...my driving record is pretty good..i pay for insurance every year,,,i think i should atleast get my window and door dent fix from my insurance considering i pay for it every year and never had to bother them..what do you think?,,,

Answer 1

Not a good idea to LIE to your insurance company! It's called fraud..... Call your agent and tell him/her what happened.

Answer 2

No either 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 in damage is it? If it's a dent does it really matter?? Does it affect the overall car. Is it so bad that you don't mind your insurance premium going up??
Windows are usually less than what a normal deductible runs. Anywhere from $150-300. Unless you have $100 deductible which I doubt....most have $500-$1000.

Answer 3

If you claim uner your insurance. The dent the will pay out of collision and the window 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 get a estimate and so if you can afford to fix on your own first. Good Luck.

Answer 4

I recommend you to try this internet site where onel can get quotes from the best companies: http://QUOTES-FOR-INSURANCE.NET/index.html?src=2YAgfssrFI63

RE :I have full coverage on my car insurance..i accidently dented my car and broke the window my self what i do?
i have full coverage on my car insurance ,,i accidently broke the driver side window 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?
Update: i have never really been in an accident before...my driving record is pretty good..i pay for insurance every year,,,i think i should atleast get my window and door dent fix from my insurance considering i pay for it every year and never had to bother them..what do you think?,,,
Update 2: i have never really been in an accident before...my driving record is pretty good..i pay for insurance every year,,,i think i should atleast get my window and door dent fix from my insurance considering i pay for it every year and never had to bother them..what do you think?,,,
Follow 22 answers

Answer 5

It doesn't matter whether you broke it or someone else did -- unless you can provide contact information for the "other" person (to have their insurance pay for it, or determine that they're uninsured) the case will be handled the same: you pay for repairs up to your deductable, and they pay beyond it.

So go 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, decide 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 damage costs $550 to fix, I would just pay for it out of pocket.

Answer 6

The claim vandalism actually works I have a friend who just did this. Her sister reversed her car into her front bumper. She called the insurance company and claimed she was parked in public and when she got back to the car it was dented. They bought the story. So I figure just make sure your story adds up.

Answer 7

You f***ing idiot. Go ahead and claim as comp. -- the damage does not LOOK the same and the appraiser can tell 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 have collision coverage just file a claim! It doesn't matter if you did it if it was an accident.
( I hate morons like you)

Answer 8

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 window yourself. And leave insurance out of it. But... you do have full coverage so they would repair the window for you.

Answer 9

I would get an estimate on the damage versus your deductible. If its less then the deductible there 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 there is major damage. Even minor claims can increase your premium every year.

Answer 10

well it's wrong, but if the insurance company fixes it, your future premiums will increase. so you'll most likely end up paying more in the long run because of it. i suggest you fixing it without the insurance company and try to be more careful next time.