Will this affect my premium next year?
2006-10-30 12:37:51 · 9 answers · asked by V W123 1 in Cars & Transportation ➔ Insurance & Registration
Well, if you don't want to pay more than your deductible you should make the claim, it's up to you. It's a collision loss, and the only way it would affect your premium would be if it were considered an at-fault accident, but even then just paying under the collision may not affect you. You'd have to talk to your carrier, because premium increases for claims vary between companies.
2006-10-30 12:57:49 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
If you ran over a pothole then filing an insurance claim will cause you to pay a deductible, take a large chance of increasing your annual premium, and likely add an at-fault accident to your record.
A flying big-rig tire hit my car on the freeway a few years ago. As a result my Insurance company classified and reported it as an at-fault accident, raised my rates, and would have charged me my deductible if I had not canceled the claim.
Good luck.
2006-10-30 14:47:54 · answer #2 · answered by steinmancloud9 2 · 0⤊ 1⤋
First check with the state, county or city where you hit the pothole. The state of MN will pay for damage caused by potholes on state roads and highways.
Ask your agent how much it will affect your premiums. The surcharge could stay on for 3 years.
2006-10-30 12:43:40 · answer #3 · answered by Papa John 6 · 0⤊ 2⤋
you could shop the money, yet, remember, the vehicle is properly worth much less with unrepaired hail harm, so, if there's a write-off subject interior the destiny, that harm quantity will come precise off the best of your pay-out. in spite of the incontrovertible fact that, in case you have a available-dandy pal who can restore it on your satisfaction for under your examine, you're unfastened to do this besides. no longer all companies everywhere provide you that decision. If I had hail harm, and put in a declare, i'd get the authorization to repair on the keep of my decision, as long because it became accepted, yet i are not getting to touch money for a harm declare till that's a write-off.
2016-10-03 03:02:27 · answer #4 · answered by ? 4 · 0⤊ 0⤋
Around here if a car is damaged from the road-bad pothole- the county has to pay. You would prob still have to go thru your ins. and all they need is any little excuse to make you pay more. ask your agent. Maybe its cheaper to have it fixed yourself or live with the damage if you can.
2006-10-30 12:43:48 · answer #5 · answered by La-z Ike 4 · 0⤊ 2⤋
Only if you have "Comprehensive" coverage and even that may not cover it. Yes, it might just raise your premium.
No, you can not sue the entity responsible for the road the pothole is in.
2006-10-30 14:39:27 · answer #6 · answered by x_southernbelle 7 · 0⤊ 1⤋
File it against the city/county jurisdiction that was fixing the pothole (or should have been).
I doubt the damage would exceed your deductible.
2006-10-30 12:45:48 · answer #7 · answered by TheSlayor 5 · 0⤊ 2⤋
no! take a picture of the hole take a estimate along with the picture to your local city manager and ask them to pay the damages.
i had the same thing happen where i live and with the same evidence i told you to collect,i walked out city hall with a check for the repair cost.you pay taxes that are suppose to go to street repair and if the city is negilent in repairing street damage they are liable for the damages to your car.if they give you ****,hire a lawyer
2006-10-30 12:44:37 · answer #8 · answered by jgmafb 5 · 1⤊ 1⤋
What is your deductible.You will need to pay that first,before your insurance will pay anything.
2006-10-30 12:42:31 · answer #9 · answered by George K 6 · 0⤊ 2⤋