I slid into a ditch off an icy road and had to get pulled out. It was $125!!!!! I just about keeled over! Can I get that back now? I haven't had a claim in over 10 years.
2007-02-20 09:34:46 · 8 answers · asked by pookiemct07 5 in Cars & Transportation ➔ Insurance & Registration
Depending on what state, and what insurance company you have, as long as you have ERS(emergency road service) on your policy it would be reimbursable. If you do have it on your policy it does not count against your rates.. As far as reimbursement some agents depending on the company can reimburse you on the spot at there office. If you call the claims center for your insurance they may tell you towing is only reimbursable up to a certain amt. But usally agents will pay you back above and beyond what the guidelines are.. If you dont have the ers on the policy your may be able to file a claim under coll, or comp for reimbursement, or veh damages but you would have to pay the ded.. As for your rates going up the only time your rates should ever go up is if your in an accident, and are at fault, and the damages are over a 1000 dollars then they may go up.. if the damages are less than a 1000 your rates should stay the same. The same goes for if your in an accident and not at fault your rates will stay the same.. for example sliding into the ditch.. .Good luck.. Sorry about the crappy typing...
2007-02-20 13:56:51 · answer #1 · answered by D.L. 4 · 0⤊ 0⤋
Towing should not affect your insurance rates although it will show up as a claim in the future. I would advise you to check with your company before filing a claim.
2007-02-20 09:37:31 · answer #2 · answered by Kona Kai 2 · 0⤊ 0⤋
Not to be critical, but if you slid off into a ditch on an icy road, you were driving too fast for conditions. But unless you have towing specifically on your insurance policy, it won't be covered.
2007-02-20 11:01:38 · answer #3 · answered by oklatom 7 · 0⤊ 2⤋
Check to see what is your deductible for your insurance policy before you go claiming anything.
They tend to be $500 standard deductible.
If that's the case, it wouldnt even cover your $125. Don't bother.
.
2007-02-20 10:57:11 · answer #4 · answered by rob1963man 5 · 0⤊ 0⤋
Depends on if that coverage is on your policy. In my state the max amount for towing expense is $75. It's an optional coverage so check your policy if you have that type of coverage or not.
2007-02-20 09:37:23 · answer #5 · answered by Drew P 4 · 0⤊ 0⤋
Depends on the company your with and your coverages, usually it will not raise your rates.
*You have to have towing coverage, in order to get anything. Normally, they have a cap either in $$$ or miles. Check your policy, then call your agent if you have the coverage.
2007-02-20 09:55:16 · answer #6 · answered by Nate W 5 · 0⤊ 0⤋
No matter what they say, if you file a claim for anything!! they will add it to your insurance. I bought glass coverage and used it. little did I know that affects insurance premiums.
So if you can afford it, don't claim it!
2007-02-20 09:38:18 · answer #7 · answered by katydid 3 · 0⤊ 0⤋
ins. goes up everytime you make a claim they may even drop you.
2007-02-20 09:43:51 · answer #8 · answered by ralph d 2 · 0⤊ 1⤋