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Re: $%^&*#@ drivers [Re: DEFBOY35] #889602 06/09/08 09:31 PM
Joined: Dec 2007
Posts: 316
H
homerdog Offline
Mudrunner
Quote
yeah, just got off my phone with the insurance company, i will now be changing insurance companies!

if i claim it due to it being a hit and run, it will make my insurance go up, because i was in the vehicle when it happened.



claim it and then switch


2001 Sportage, TJ 106's, Everet spacers and bumpstops, Bilstein shocks on the rear, cone filter, Crager wheels, 235-75-15 Goodyear tires. Custom front winch bumper by Dave Scott. Currently DOA, but it is a work in progress.
2011 Kia Forte EX
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Re: $%^&*#@ drivers [Re: DEFBOY35] #889603 06/10/08 12:10 AM
Joined: Apr 2002
Posts: 1,221
logansportage Offline
Body Damage is Cool
That is BS! If you're hit and it's not your fault your insurance shouldn't go up. That is the second reason you have insurance. The main reason is so if you hit someone you don't have to fork out all the money.

Even if it's a hit and run and you are in the car, your rates should not go up. Keep calling them and tell them you want to talk to their supervisor until you get to a person that will do something for you.

If not, tell the person you are speaking to that keeps giving you crap you want to talk to the customer retention department because they are not helping you.

Logansportage <img src="/forums/images/graemlins/patriot.gif" alt="" />


White 1998 4 door KIA Sportage 4x4 w/Eibach 2.5 spring lift and TJ rear coils, 4crawler 1.5 body lift, Monroe Sensa.trac shocks, Bosch 4+ plugs, Eaton LSD, 31x10.5x15 BFG KM tires, 2.5 cat back exhaust w/SpinTech muffler
Re: $%^&*#@ drivers [Re: homerdog] #889604 06/10/08 02:22 AM
Joined: Jun 2004
Posts: 393
Calappoyas Offline
Mudrunner
Quote
yeah, just got off my phone with the insurance company, i will now be changing insurance companies!

if i claim it due to it being a hit and run, it will make my insurance go up, because i was in the vehicle when it happened.


They like saying that to keep you from claming. I filed a claim where it was totally my fault (bent my door backwards on a snow bank) Even after they said this to me I had no choice to file. Needed my commuter car for work. and they not only did they not raise my rates, but they filed it as a no-fault claim. your milage may very...


02 [color:"red"] Sportie [/color] 5sp 4x4 2dr. 1½" Body + 4" Rocksportgear lifts, 31x10.50 Wildcats M/Ts, Manual Hubs, Yakima rack, basket. Redline gear oils
http://www.cardomain.com/id/calapooyas
My beater, 03 Land Rover Freelander SE3
Re: $%^&*#@ drivers [Re: Calappoyas] #889605 06/10/08 02:45 AM
Joined: Mar 2002
Posts: 4,497
Axe Man Offline
Kia Moderator Emeritus
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.

With the case I mentioned above with My Civic I never even informed my insurance company. I worked directly with the other parties insurance because it was clear he was at fault and the police report would reflect that. My Sportage was also rear ended by a gal with no license and driving a friend's car. She was handcuffed and put in the back of the police car. I did the same with this accident too. Obtained the police report and worked directly with the owner's insurance company. Never informed my insurance company. Got a nice fat check.

And I'll say it again. NEVER leave the scene of an accident without having the police show up and write a report.


1998 Sportage - Gone.
2004 Honda Civic Coupe.
2007 Suzuki Grand Vitara - She got it.
Re: $%^&*#@ drivers [Re: Axe Man] #889606 06/10/08 05:38 AM
Joined: Oct 2006
Posts: 616
Iron Offline
Rock Warrior
Defboy, check with your insurance company, they can not hold you at fault if you were hit by a vehicle that was involved in a crime, or fleeing the police. And they can only raise your rates if you are at fault.

Since the gov't put a cap on insurance rates a few years back, the insurance companies will use any excuse to attempt to raise your rates. There is an Ombudsman you can contact to file a complaint. Once your insurance company is aware that the gov't is aware they are raising your rates, you may see your rate increase vanish!


08' Jeep Wrangler
64' Plymouth Sport Fury 383
58' Triumph TR-3A
Re: $%^&*#@ drivers [Re: DEFBOY35] #889607 06/10/08 07:27 AM
Joined: Aug 2006
Posts: 894
bombardj1 Offline
Rock Warrior
my 2 cents, if any of you own a home carry as much insurance as you can afford, if you only carry the least ammount and you get in a accident and it's your fault and someone is hurt you many lose your home.

Re: $%^&*#@ drivers [Re: bombardj1] #889608 06/10/08 10:39 AM
Joined: Jun 2006
Posts: 3,814
Hydra747 Offline
Roll Me Over
*
Good point John!

I think that we are talking Canada vs. US insurance laws though.... <img src="/forums/images/graemlins/cheers.gif" alt="" />

Re: $%^&*#@ drivers [Re: Axe Man] #889609 06/10/08 06:48 PM
Joined: Apr 2002
Posts: 1,221
logansportage Offline
Body Damage is Cool
Axe,

I see your point, but in this case because the involved party was in a stolen vehicle and left the seen of the accident without providing the required information or a police report being filed. Yes, insurance companies will find any way to move you from a “preferred” customer to something they can charge you more for, but there are bounds they have to stay within and since there was a crime involved here they can not charge more.

If you can get the person's name and information then you really need to. However, in the case of a hit and run it is next to impossible to get this information. In the case of a hit and run in a stolen vehicle it is almost impossible to get this information unless there is a witness or great CSI people involved. Sorry, really like the TV show. Not realistic all the time, but cool none the less.

The only hope in this case is for the investigator (police) to locate the person who has the cell phone, interrogate them until they cough up the information for person involved. Then their insurance if they have any can be contacted to report the claim to pay for the damage.

In the states we have something called Under Insured Motorist insurance. This is used for accidents where the person that hits another person does not have enough coverage to cover the damage done to the other vehicle or occupants. With vehicles costing as much as they do these days not to mention medical expenses, Liability only insurance is almost never enough to cover you. This is why Under Insured Motorist insurance is highly recommended. Costs a little extra, but saves your butt big time for cases like this.

Logansportage <img src="/forums/images/graemlins/patriot.gif" alt="" />


White 1998 4 door KIA Sportage 4x4 w/Eibach 2.5 spring lift and TJ rear coils, 4crawler 1.5 body lift, Monroe Sensa.trac shocks, Bosch 4+ plugs, Eaton LSD, 31x10.5x15 BFG KM tires, 2.5 cat back exhaust w/SpinTech muffler
Re: $%^&*#@ drivers [Re: Axe Man] #889610 06/10/08 07:59 PM
Joined: Dec 2007
Posts: 316
H
homerdog Offline
Mudrunner
Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


2001 Sportage, TJ 106's, Everet spacers and bumpstops, Bilstein shocks on the rear, cone filter, Crager wheels, 235-75-15 Goodyear tires. Custom front winch bumper by Dave Scott. Currently DOA, but it is a work in progress.
2011 Kia Forte EX
Re: $%^&*#@ drivers [Re: homerdog] #889611 06/11/08 12:15 AM
Joined: Mar 2002
Posts: 4,497
Axe Man Offline
Kia Moderator Emeritus
Quote
Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


Correct. And as far as I know it's standard practice in all states.


1998 Sportage - Gone.
2004 Honda Civic Coupe.
2007 Suzuki Grand Vitara - She got it.
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