Should i claim insurance?

[caineroad]

Originally Posted by DMZ

The windshield they will usually pay, no questions asked.

Other damage will be assigned to a claim adjuster, who contracts his services to different insurance companies. He will come out and take a look at the damage and research the cost. If the damaged was cause by an accident, that meaning while the vehicle was moving, then he will need to have a accident report. Hopefully, you filed one with your company after the damage was incurred. If that was not done, I am not sure where it goes from there.

He needs that report so he can make a accurate assessment of the damage you are claiming. It helps prevent fraudulent claims. Good claim adjusters are good at spotting things that do not seem make sense. In other words, it is very hard to try and get over on them, after all they assess damaged autos for a living.

After the adjuster looks at the auto, he will contact you within a week or so with a settlement. If you do not agree with his offer, there is some room to negotiate, but not much.

i see, that's good to know I didn't know the adjustor would actually come out and inspect the car lol. but yea thanks I will claim for the windshield!

[saltwt]

Originally Posted by WeeYari

LMFAO!!!!!!!!!!!!!!!!!!

Suck it up and pay for the repairs.

I've worked in IT for an insurance company for 19 years and am married to a licensed broker.

I just had her read this thread full of crap, and she is still on the floor laughing.

Do not take advice from an American. In Ontario, you cannot lower a deductible to less than $300.

Your door damage, which is an at fault will haunt you with rate increases. You cannot wait to file. Any adjuster will be able to tell whether or not something that has damaged body panels is recent, or prior unreported damage.

...the list of stupidity and miss-information be tossed about here goes on and on and on...

So why do you continue to hang around? Must be a Canadian?

[mazilla]

Originally Posted by DMZ

Be careful. Adjusters aren't that stupid and you could be criminally charged with fraud for stuff like that.

I've been insured with the same company for about 10 years, I currently have 5 vehicles, a boat, and a camper insured with them, and not a single at fault accident. I've earned enough credit with them for a claim here and there. I'm not stupid, they are the ones who have to be careful.... ;)

[caineroad]

Originally Posted by mazilla

I've been insured with the same company for about 10 years, I currently have 5 vehicles, a boat, and a camper insured with them, and not a single at fault accident. I've earned enough credit with them for a claim here and there. I'm not stupid, they are the ones who have to be careful.... ;)

Still you paid a lot for 5 vehicles and a boat, why would you have so many cars?? that really hurts your pocket for gas and insurance, not forgetting the carbon emission

[DebbyM46227]

Who cares about carbon emission? I certainly don't. This thread is just too strange.

[Blue Y job]

Alright, I'll throw my two cents in. As for the Mazilla having 5 vehicles, he/she can only pilot one at a time anyway, and if he can afford gas and insurance, why should it bother you? He is supporting the world economy. Plus, he was trying to shed some light on your initial question, caineroad.

[carnageehw]

One addition thing that I am not sure about, but is worth thinking about.

If you go through insurance, and need an accident report, there might be a report on your Carfax, or other similar history checking service.

If your car is reported to have an accident on it, it might hurt resale value, and you might just consider fixing it yourself.

But I also agree with the poster that said you shouldn't claim it due to it being your fault. I would never try to claim damage to my car that I caused. It's gonna cost you too much in the long run.

[caineroad]

Originally Posted by carnageehw

One addition thing that I am not sure about, but is worth thinking about.

If you go through insurance, and need an accident report, there might be a report on your Carfax, or other similar history checking service.

If your car is reported to have an accident on it, it might hurt resale value, and you might just consider fixing it yourself.

But I also agree with the poster that said you shouldn't claim it due to it being your fault. I would never try to claim damage to my car that I caused. It's gonna cost you too much in the long run.

Oh yea you are right, I didn't realize this! great info!

[caineroad]

Originally Posted by DebbyM46227

Who cares about carbon emission? I certainly don't. This thread is just too strange.

Americans can't speak for emission themselves, you guys are still producing more CO2 than China, is perfectly normal that you don't care as your government is never willing to comply with meeting lower emission targets.
Don't worry about it, and don't be shame of yourself, not your fault!

[caineroad]

Originally Posted by Blue Y job

Alright, I'll throw my two cents in. As for the Mazilla having 5 vehicles, he/she can only pilot one at a time anyway, and if he can afford gas and insurance, why should it bother you? He is supporting the world economy. Plus, he was trying to shed some light on your initial question, caineroad.

Lol look at american economy now, in this recession.. how is he going to contribute to support 'world' economy? I certainly appreciate his response, and I think he is really smart on that I would have done the same if I could no questions asked. It just shocked me when I heard he has 5 cars, of course he can only pilot one at a time, the rest are probably his family so that makes each person has a car and that is pretty sad. But I think it is quite common in the US. Sorry don't blame me, but blame my profession I work for a company as environmental consultant to meet environmental regulations and have a degree in environmental science.

[mazilla]

Originally Posted by caineroad

Lol look at american economy now, in this recession.. how is he going to contribute to support 'world' economy? I certainly appreciate his response, and I think he is really smart on that I would have done the same if I could no questions asked. It just shocked me when I heard he has 5 cars, of course he can only pilot one at a time, the rest are probably his family so that makes each person has a car and that is pretty sad. But I think it is quite common in the US. Sorry don't blame me, but blame my profession I work for a company as environmental consultant to meet environmental regulations and have a degree in environmental science.

It's just my wife and I....and our 4 month old son.

[SAV912]

Originally Posted by caineroad

Got you! Only thing I wont replace the lightbulb is that the yaris HB has a really hard to get place to change the small bulb, i did this before and took me an hr and help from a friend. that's why they have to charge me an hr to do cuz it is not easy as the sedan.

The small parking bulbs, correct? They are inboard and closer to the center of the nose of the car and take two seconds to pop out. Twist, pull, replace, done.

The headlamps themselves are much harder if you don't pull the front bumper off, but the small parking lamps are a cinch.

[WeeYari]

Originally Posted by caineroad

Don't say you worked for 19 years, you are disgraced.

Yeah, whatever. At least I don't stoop to personal attacks.

I will attack a thread, especially one that appears to be geared toward creating Opportunistic Fraud, but not the poster.

Originally Posted by caineroad

Of course we can, my dad has his car with $0 deductible is a toyota matrix. I guess your insurance company doesn't do that, but mine does.

I'm sure he does. He has been 'rewarded' by what some companies have introduced. It is known as the disappearing deductible. It needs to be earned through years of claims free driving. You cannot just call up and say "Re-write my policy with a zero$ deductible please".

[mazilla]

Originally Posted by WeeYari

I'm sure he does. He has been 'rewarded' by what some companies have introduced. It is known as the disappearing deductible. It needs to be earned through years of claims free driving. You cannot just call up and say "Re-write my policy with a zero$ deductible please".

"Rewarded" huh....is that what your country has let you believe is a "reward"? I can call my insurance co tomorrow and change my deductible up and down from zero to whatever number I decide. Sucks to be Canadian, I guess.

[SailDesign]

Originally Posted by mazilla

"Rewarded" huh....is that what your country has let you believe is a "reward"? I can call my insurance co tomorrow and change my deductible up and down from zero to whatever number I decide. Sucks to be Canadian, I guess.

Yubbut, Mazilla, if you call up and adjust your deductible to zero, your rates go up.
In the UK, where I grew up, they had what they called a No-Claims Bonus, and after 10 years or so, it could drop your payments to about 50% of the original.

[caineroad]

Originally Posted by WeeYari

Yeah, whatever. At least I don't stoop to personal attacks.

I will attack a thread, especially one that appears to be geared toward creating Opportunistic Fraud, but not the poster.



I'm sure he does. He has been 'rewarded' by what some companies have introduced. It is known as the disappearing deductible. It needs to be earned through years of claims free driving. You cannot just call up and say "Re-write my policy with a zero$ deductible please".

Oh now you say he can! Few hours ago you were saying in Ontario we cannot lower the deductible below $300, huh? Lol, god do yourself a favour. Go to desjardins insurance and get a new quote right now I guarantee you can get $0 deductible. Stop living in this ignorance, it might be the way you think 19 years ago but not anymore now. I did not person attack, whereas when you are attacking a thread is no difference than attacking the OP who started it.

[caineroad]

Originally Posted by SAV912

The small parking bulbs, correct? They are inboard and closer to the center of the nose of the car and take two seconds to pop out. Twist, pull, replace, done.

The headlamps themselves are much harder if you don't pull the front bumper off, but the small parking lamps are a cinch.

ah! I will give a try later thanks for the heads up! Last time when i changed the headlight bulb it was a mess!

[caineroad]

Originally Posted by mazilla

"Rewarded" huh....is that what your country has let you believe is a "reward"? I can call my insurance co tomorrow and change my deductible up and down from zero to whatever number I decide. Sucks to be Canadian, I guess.

Its the same in Canada, don't listen to that guy he knows nothing. I just called my insurance and got a quote if I change to $0 deductible, the price would increase from $1500 to $2480. Easy easy.