minor accident/ insurance question
#1
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minor accident/ insurance question
i dozed off and rear ended a car in traffic. the damage appears to be cosmetic: paint and scratches. i asked the lady to not let insurance involved, and i'll settle the repair fees on the side. she agreed. however, she later called and noticed me that she has filed a record with her insurance, but are not going to make a claim on mine for repairs.
will that bump my premium up? and do i have any rights to suggest how she can do her repair? she has a BWM, the damage can be repaired by a new paint job, but i am prepared to buy her a new bumper worst case...
will that bump my premium up? and do i have any rights to suggest how she can do her repair? she has a BWM, the damage can be repaired by a new paint job, but i am prepared to buy her a new bumper worst case...
#2
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if she just filed a record with HER insurance, you're fine because your insurance doesn't know about it.... i believe your premiums only go up when you file a claim with your insurance.
But, i'm no expert and insurance always finds a way to ding you.
But, i'm no expert and insurance always finds a way to ding you.
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Originally Posted by ftnssn
if she has a relatively new bmw i'd want my insurance to swallow that.
#7
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Originally Posted by ftnssn
Possibly, but if that bumper needs to be replaced...plus it's a BMW and their paint is significantly more expensive than say a subaru.
#9
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paint is expensive for most applications. three stage paints are expensive and thats what the mbp has.
her insurance company will appraise the damage and then send the info for the cost of repair to your insurance company. For a minor fender bender I don't imagine your rates going crazy but you may notice a small change in billing. If the original bumper is ok, the cost of repair and rental car should be around the $1000 mark. What kind of deductible do you have?
Originally Posted by vapor
i dozed off and rear ended a car in traffic. the damage appears to be cosmetic: paint and scratches. i asked the lady to not let insurance involved, and i'll settle the repair fees on the side. she agreed. however, she later called and noticed me that she has filed a record with her insurance, but are not going to make a claim on mine for repairs.
will that bump my premium up? and do i have any rights to suggest how she can do her repair? she has a BWM, the damage can be repaired by a new paint job, but i am prepared to buy her a new bumper worst case...
will that bump my premium up? and do i have any rights to suggest how she can do her repair? she has a BWM, the damage can be repaired by a new paint job, but i am prepared to buy her a new bumper worst case...
her insurance company will appraise the damage and then send the info for the cost of repair to your insurance company. For a minor fender bender I don't imagine your rates going crazy but you may notice a small change in billing. If the original bumper is ok, the cost of repair and rental car should be around the $1000 mark. What kind of deductible do you have?
#10
Originally Posted by vapor
i dozed off and rear ended a car in traffic. the damage appears to be cosmetic: paint and scratches. i asked the lady to not let insurance involved, and i'll settle the repair fees on the side. she agreed. however, she later called and noticed me that she has filed a record with her insurance, but are not going to make a claim on mine for repairs.
will that bump my premium up? and do i have any rights to suggest how she can do her repair? she has a BWM, the damage can be repaired by a new paint job, but i am prepared to buy her a new bumper worst case...
will that bump my premium up? and do i have any rights to suggest how she can do her repair? she has a BWM, the damage can be repaired by a new paint job, but i am prepared to buy her a new bumper worst case...
#11
Originally Posted by Jakes02
What kind of deductible do you have?
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