QuestionHi! I was driving and a deer ran in front of my car and i hi it. My car got damaged, about $5000 worth. If i claim it to my insurance are my rates going o go up?
AnswerHi Valerie,
Poor deer--poor Valerie, as that was really scary I will bet. Anyway, you need to make the claim ASAP. Even if your rates went up, that kind of damage must be compensated, less your deductible.
But my experience is that your rates will not go up inasmuch as this will not qualify as an "at-fault" accident. For verification on this, you can check with your state insurance commissioner http://www.settlementcentral.com/links.php
Most insurance commissioners have set standards by which companies can increase your rates. And it starts with the accident being classified as "at-fault". In other words, you have to be at fault before they can raise your rates.
Since your accident was unavoidable, and since you were at all times exercising due care and caution (get the hint--use these words), you were NOT at fault. Hence, no increase in rates.
Best wishes,
Dr. Settlement, J.D. (Juris Doctor)
www.settlementcentral.com
