should i pay for auto claim to save premium increase?

Question

I had small bumper accident. I am not claiming for my damage other party allready called to claim which is only $330 should i pay out of pocket to save on premium inlong term or if any big claim happen in next 3 years. I am with allstate state of texas. I called different agent different answers

There is no police record involved.
Other Person did call my insurance for claim, she is very co-operative.

Answer 1

Unfortunately it is too late. You can't just undo a claim. This idea should have risen before leaving the scene of the accident. The information has already been turned over to the dmv and is probably already on your record. Sorry but your kind of out of luck

Answer 2

maximum states use credit scores to base rates on. in addition they use using adventure, using checklist, city you reside in, and variety of vehicle. some states use gender, grade factor average for complete time scholars, homestead possession status, marital status, and how many miles youpersistent, while calculating the fees. those form of comprise factors influence how possibly that's so you might have an incident consisting of your vehicle, or how possibly that's on your vehicle to get stolen; it is not somewhat rather common as "solid motive force/undesirable motive force". If Ipersistent a Ford Pinto, and that i'm a terrible motive force, i'm much less possibly to have my vehicle stolen than somebody who drives a Ford Mustang Convertible, regardless of in the event that they're an remarkable motive force. relating to the credit, claims adventure exhibits that those with a decrease credit have extra claims, with greater payouts, than those with a better credit. Numbers that i've got in my opinion considered shown that 701 is the common "destroy even" factor, the place they pay out $a million.00 for each $a million.00 they soak up top type, for a private vehicle coverage. From an coverage agency point of view, it is not proper WHY there are extra claims with a decrease credit, only like it is not proper WHY youthful male drivers have extra claims than youthful woman drivers - only the reality that the relationship exists capacity that it is truthful to cost extra top type to the better possibility man or woman.

Answer 3

Be clear.
Has the other guy called the insurance company or you?
Is there a police report?
If neither, and you trust him, you can pay out of pocket.
If there's a record, it won't do any good.