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?

I would file the insurance claim due to the amount. They probably won't let you renew anyway.

They will let me renew even after the first claim. It is the second one that I am worried about.

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....:MIf 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.

If you do not engage your insurance company and choose to settle yourself, you will then assume any and subsequent claims from this incident.

Multiple "at fault" claims will cause your rates to increase, you may be cancelled or non-renewed and when you find another company that will insure you, you will also pay high rates to them - usually after 3 years with no further claims your rates will again reduce. In my home state, you would always have the choice of paying your own claim, however if it was reported, whether paid or not and on the record, it would have the same effect.

Insurance Rates Changes For Claims | Good Sam Community

noe-place
Explorer
Jan 13, 2014
Insurance companies hate paying out. My DD had two minor fender benders when she first got her license and only one was her fault. The insurance company I'd been with for my whole driving life cancelled our policy with no appeal allowed. I'm thinking like a couple of others that yours is going to drop you right after they fix your rv and the car. :S

PS The company that dropped me was State Farm
et2
Explorer
Jan 13, 2014
My wife was involved in a almost head on collision 2years ago. Not her fault. The total damage was over $17,000 to repair. Our insurance (AAA) doubled in price. Dropped them and went with State Farm at way better rates.

If it happens again I'll probably sue the other party. After all AAA got their money back from the other insurance company and wanted to stick it to us.
Duck
Explorer
Jan 13, 2014
If you report a another claim, like others have said, you will probably be cancelled and finding another policy will be very expensive because of the cancellation. If you pay the second incidence yourself, as long as their are no personal injuries, make sure that you have the neighbor sign a release form.
Don
Cummins12V98
Explorer III
Jan 12, 2014
beemerphile1 wrote:
Francesca Knowles wrote:
Cummins12V98 wrote:

I have a Farmers Agent that I have dealt with for 37 years and more than once I have discussed "off the record" my best options.

Ya get what ya pay for!

All I can say to that is that if Farmer's finds out, y'all won't have that agent for 38 years!

Correct, as a representative of the company the agent is obligated to report the accident. It is the same as if a claim was filed.

If there has not been a accident report filed or a ticket it is your choice whether or not to turn in a claim. I have even spoken to the claims people to make an informed decision with no ill effects.

If there has been a ticket or accident report filed you may as well turn in for the damages because your rates will go up if you already have a ding on your record.
beemerphile1
Explorer
Jan 12, 2014
Francesca Knowles wrote:
Cummins12V98 wrote:

I have a Farmers Agent that I have dealt with for 37 years and more than once I have discussed "off the record" my best options.

Ya get what ya pay for!

All I can say to that is that if Farmer's finds out, y'all won't have that agent for 38 years!

Correct, as a representative of the company the agent is obligated to report the accident. It is the same as if a claim was filed.
Francesca_Knowl
Explorer
Jan 12, 2014
Cummins12V98 wrote:

I have a Farmers Agent that I have dealt with for 37 years and more than once I have discussed "off the record" my best options.

Ya get what ya pay for!

All I can say to that is that if Farmer's finds out, y'all won't have that agent for 38 years!
Cummins12V98
Explorer III
Jan 12, 2014
Francesca Knowles wrote:
Cummins12V98 wrote:
Contact your Agent and ask him. They will probably raise your rates for 3 years. Have him do the math for you. That is why you have an Agent.

Understanding that as I already said, I think ALL "incidents" should be reported to one's ins. co.:

"Should I file a claim" is not a question to ask an agent if you're trying to avoid a ding on your record. Once you've made the inquiry, the incident will be noted on your record whether or not you proceed to file a claim.

These things are easier to understand, by the way, if we all keep in mind that "your" insurance agent really only sells you the policy. He/she isn't there to represent your interest, really having more obligations to the company that insures you.

I have a Farmers Agent that I have dealt with for 37 years and more than once I have discussed "off the record" my best options.

Ya get what ya pay for!
donkeydew
Explorer
Jan 12, 2014
your neighbor has undoubtedly notified his insurance company so it is on record.
do not know your age but do not be surprised if you hear from the dmv to come in for vision check and short chat.
Francesca_Knowl
Explorer
Jan 12, 2014
Cummins12V98 wrote:
Contact your Agent and ask him. They will probably raise your rates for 3 years. Have him do the math for you. That is why you have an Agent.

Understanding that as I already said, I think ALL "incidents" should be reported to one's ins. co.:

"Should I file a claim" is not a question to ask an agent if you're trying to avoid a ding on your record. Once you've made the inquiry, the incident will be noted on your record whether or not you proceed to file a claim.

These things are easier to understand, by the way, if we all keep in mind that "your" insurance agent really only sells you the policy. He/she isn't there to represent your interest, really having more obligations to the company that insures you.
restlesswind
Explorer
Jan 12, 2014
When I turned in a claim to the insurance co,my rates went up for three years.
Oddly enough.the rate increase over the 3 years was almost exactly the same amount as the claim that they paid. I guess I could figure that it was
kinda like having a preapproved loan
I switched ins.co's rather than paying back the "loan"