Forum Discussion

peholden's avatar
peholden
Explorer
Oct 26, 2015

Should I submit an insurance claim

I did some minor cosmetic damage to my 5th wheel when I hit a parking lot post. I immediately called my National General agent and opened a claim. They haven't sent an adjuster yet. But now as I look at it I'm thinking I can fix it myself.

Now I'm thinking perhaps it would be better to tell them "nevermind" since I really don't want to get dropped right before my next trip. What do you folks think? Oh, I got this policy through Good Sam.

Thanks, Pete
Seeking Advice
  • downtheroad's avatar
    downtheroad
    Explorer
    Oct 26, 2015
    Doubt they would "drop" you for, as you say, "a minor cosmetic claim."
    What is your deductible?

    I have normally fixed "minor" stuff myself. But, I enjoy projects.

    How about posting a picture of the damage.
  • carpetguy2's avatar
    carpetguy2
    Explorer
    Oct 26, 2015
    I know my state farm insurance if I file a claim and It would be held against me if the agent come out to see it.My house roof had issues from hail .Not enough for my deductible.
    Agent said cancel before the adjustors gets there so i wont have a mark on my insurance.
  • JiminDenver's avatar
    JiminDenver
    Explorer II
    Oct 26, 2015
    If you call my State Farm agent, it is the same as a claim. It's not the fact that you made a claim or not, it's that you had a issue.
  • leeper's avatar
    leeper
    Explorer
    Oct 26, 2015
    Too late to change your claim now. Once you called ,it is on record!
  • B_O__Plenty's avatar
    B_O__Plenty
    Explorer II
    Oct 26, 2015
    Get the estimate from your adjuster. If you decide to fix it yourself, no harm no foul. If you take their check and cash it, then you may have to be concerned about your rates going up. They can tell you if that will happen or not. The damage may be a lot worse than it looks to the untrained eye so I would have them at least look at it.

    B.O.
  • Rollnhome's avatar
    Rollnhome
    Explorer
    Oct 26, 2015
    If you reported damage to insurance it is on file as a claim. No going back no erasing.
  • wildtoad's avatar
    wildtoad
    Explorer II
    Oct 26, 2015
    Chances are you will not get dropped, you will not get an increase, especially if it is a small claim or if you decided to fix it / pay for it yourself.
  • ugh's avatar
    ugh
    Explorer
    Oct 26, 2015
    Cancel it ASAP. Any time you make a claim, it is a mark on your record. You run the risk for surcharge to your future premiums. I recommend you to file a claim only if it is expensive and something you cannot fix, not for minor claims.
  • Campinfan's avatar
    Campinfan
    Explorer III
    Oct 26, 2015
    I made a claim with General Insurance when they were called GMAC. They were great. My rates did not go up and with my new trailer I am still paying about $150 every 6 months for full coverage. In the winter I pay about $50 for 6 months since it is not on the road. I am very happy with them.

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