Forum Discussion

jdog's avatar
jdog
Explorer
Jan 11, 2014

Insurance Rates Changes For Claims

Hit low hanging roof at rest stop, knocked off awning. Have roof damage and fiberglass siding damage. Over $10,000 for insurance repairs. Not fixed Yet. Two weeks later I turned into my drive way and hit neighbors car with motorhome rear corner, long overhang. $3600 more damage to his car only. No dollar amount for RV fiberglass damage. What would insurance do if I file another claim for car damage? Should I pay the car repair myself and keep insurance out of it? Has anyone had this happen?
Seeking Advice
  • I_am_still_wayn's avatar
    I_am_still_wayn
    Explorer
    Jan 11, 2014
    If you do not engage your insurance company and choose to settle yourself, you will then assume any and subsequent claims from this incident.
  • Francesca_Knowl's avatar
    Francesca_Knowl
    Explorer
    Jan 11, 2014
    It's a risky business to keep "incidents" from an insurance company...did you know that many obligate you to report such incidents whether you file a claim or not? Failing to report can actually go against you much more seriously than making a claim to begin with.

    No need to ask me how I know this....:M

    If there's any chance AT ALL that they could find out about this second incident without you telling them, I recommend you file the claim.
  • jdog's avatar
    jdog
    Explorer
    Jan 11, 2014
    They will let me renew even after the first claim. It is the second one that I am worried about.
  • trnfla's avatar
    trnfla
    Explorer
    Jan 11, 2014
    I would file the insurance claim due to the amount. They probably won't let you renew anyway.

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