Questionwhile turning corner on an icy road in a snow storm, vehicle slid hitting rocks on side of road causing damage to front of vehicle. I have full coverage with deductible of $500. Estimated damage ranges from $1200-1500. Been with ins company for at least 15 yrs, if not more. Is it wise to file a claim or will I be penalized for filing a claim?
AnswerHello,
Insurance is meant for catastrophic damage and I would put that in the category of catastrophic.
As for being penalized, yes they will possibly charge you a little more, but maybe not. What is the point in having insurance if you don't use it for these situations? Now, possibly if you have some minor scratches that you can live with on the body, the lack of performing cosmetics can be applied towards your deductible saving you some money as well.
If you are speaking an undercarriage damage you are given an estimate and does not include any underlying or hidden damage.
What you encountered is a true accident and that is the reason you have insurance. I would highly recommend turning in a claim.
I wish I could tell you I miss the snow/ice covered roads I dealt with in northern Wisconsin, sliding in ditches, sticking my 4 wheel drive truck and flipping it on it's side. Windows freezing in their channels, -60 wind chill. Nope--don't miss it!
In East Texas we have a cold front coming through next week and yes, it will be in the teens at night,and the coldest day of 34 and warming from there.
Don't miss what you are going through but the more important issue is that you did not say anything about being hurt and that's a good thing!
http://www.autotheftexpert.com
