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    Jul 13, 2006 2:32:59 AM

    Oranje
    Newbie
    Oranje
    Loc: Durham, NC, USA
    Posts: 10, Gallery
    Registered on: Nov 24, 2005

    Insurance increase after "at fault" claim?

    Wondering whether I should file an insurance claim after a little "oops" that's going to cost $1,500 to repair. Filing a claim will probably increase my premium at renewal, but by how much??

    With GEICO, currently paying $630 per 6 months. $500 deductable.

    Any experience?

    Jul 13, 2006 5:23:43 PM

    Ente
    Senior
    Ente
    Loc: Germany , Germany
    Posts: 781, Gallery
    Registered on: Mar 24, 2005
    Reply to: Oranje

    Re: Insurance increase after "at fault" claim?

    Wish I could help ya mate but I've never been with Geico. Had one claim (insured with Progressive, at the time living/working/driving in Raleigh NC) after falling into a huge pot hole in the middle of the I-40 once, and that didn't raise the premium much. Was 1800 bucks worth of repairs so seemed justified.

    A friendly "Hi" over to the triangle.

    Jul 13, 2006 5:31:14 PM

    tincanman99
    Junior
    tincanman99
    Loc: NJ, USA
    Posts: 93, Gallery
    Registered on: May 11, 2005
    Reply to: Ente

    Depends On Your Laws In Your State

    In NJ if you file a claim more than 48 hours after an incident you are automatically at fault. The law states you have file the claim AND get a police report within 48 hours. Otherwise it will be negative. This is of course for a non-moving incident like vandalism, broken windshield, etc...

    If this was a moving accident and involved another driver you are screwed big time. They will ask you why it was not reported and the name and info of the other driver. It also can have legal implications because by law in most states you have 48 hours to file a police report with a moving violation.

    Like I said I dont know how it is NC but NJ is strict about all of this stuff because of insurance fraud.
     
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