Quote:
Originally Posted by raffenblackma
You could always call, your insurance company and ask them if your rates would go up if you filed a claim. Im 25 and have been in two accidents one of which was when I was 23 and it was almost $16,000 in damages, and my rates have not gone up. I have USAA.
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It isn't that simple--at least not in my area. My son had a very minor incident in the car I handed down to him. I called the agent prior to filing a claim, and he was reluctant to tell me anything beyond "maybe." Almost no guidance at all.
I had a similar issue with my homeowner's insurance (with a different company) a year ago. Extreme reluctance to give me any guidance at all regarding what effect filing a claim would have on my future rates.
I ended up deciding to file on both, but my decisions were not assisted at all by any guidance I received from my agents.
It certainly wouldn't hurt to ask, but OP might need to temper his expectations.
Good luck getting it resolved, OP!