So fun story, yesterday afternoon (close to evening) Melissa and I were leaving the Walmart parking lot on our way to the mall. As we approached the intersection (with truck stopped in front of us) we attempted to stop. Unfortunately the car slide over 25 feet and ended up bumping into the truck ahead of us. (Thankfully the truck was there otherwise we would have slide out to oncoming traffic) There was no damage to the truck and no one was injured, but the trailer hitch on the truck messed up the lower left half of our front end. We took the car to our dealership (which also does repairs) and got an estimate for the work. After receiving the estimate we are suggested to go to our insurance agency to file a claim, since we have full coverage and the driver has been driving for about 10 years with out so much as a single ticket we figured that it might be okay. So we get there and are informed that not only will we be paying the majority of the claim out of pocket if we file it, but also our rates will go up by $50 a month for the next five years. (So $3000 which far exceeds the amount of the claim that they would cover.) Fun part is our rate with them just went up about $30 / month, so there is that as well. Long and short, not filing claim and might be paying out of pocket and finding a new insurance agency. I can understand a deductible but increasing the insurance rate by THAT much for five years is just foolish. (Especially after just raising the rate for a customer that has never been in a single accident in her life) (Oh btw we pay them over $2000 a year already, so an additional $600 a year seems rather gratuitous to me)
Posted on: Fri, 09 Jan 2015 21:20:09 +0000
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