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InvisibleBuddha5254
addict
Registered: 04/22/00
Posts: 532
Car got hit...twice
    #5944165 - 08/08/06 01:21 PM (17 years, 5 months ago)

So I have to park my car on the street where I live. Within 2 months of living here I have been hit twice. The first time someone scraped my back bumper and left their blue paint behind. The secone time someone hit my front bumper hard enough to knock it loose. Should I make a claim on my insurance? Are my rates going to rise? What else is insurance for? I can get by without fixing it and was thinking of keeping the money, but its pointless if I am just going to pay it back through higher rates. Any advice?


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InvisibleCorporal Kielbasa

Registered: 05/29/04
Posts: 17,235
Re: Car got hit...twice [Re: Buddha5254]
    #5944182 - 08/08/06 01:27 PM (17 years, 5 months ago)

You still save money in the end...........


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InvisibleIrradiated_Feces
doomedgeneration
 User Gallery

Registered: 07/11/03
Posts: 4,278
Loc: Great White North
Re: Car got hit...twice [Re: Buddha5254]
    #5944228 - 08/08/06 01:42 PM (17 years, 5 months ago)

I wouldn't claim it to the insurance, usually you would have to pay a deductible (for me it was $300 when i was broken into and had my stereo stolen). If the replacement cost is cheaper than your deductible I wouldn't go through insurance, you'll have to just eat it. Thats the price you pay when you park on the street. I have scratches all over my bumper from assholes who dont know how to park... I learn to live with it.


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InvisiblesLucky
Lucky
Registered: 08/03/06
Posts: 153
Re: Car got hit...twice [Re: Irradiated_Feces]
    #5944267 - 08/08/06 01:58 PM (17 years, 5 months ago)

Chances are you have a 500$ deductible.. most people do or insurance costs a shitload, so you could probably repair it for less than that, or not at all and spend the money on something better..

What I did when I lived in san francisco I bought 2 parking cones and put them in front / back.. that helped a lot even though I got a tonnnnnnnn of nasty notes... no one hit me so who gives a fuck =D


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