Originally Posted by dubwarren
Rate won't go up on a comp claim. Trust me.
Sorry to say my one month old overland joined the club this week. I park as safe and far away as I can... some dip shit decided to bang thru the chrome door guard and bent the door/ chipped the paint behind it.
Anyway... insurance. I have state farm and years ago, I purposley kept a 0 deductable on comprehensive in case of jerks that have whatever issue of inflicting damage onto others vehicles. Ive been lucky in over 30 years... no door dings.
This time, I call state farm... they say no problem, take it to any approved shop and they will cover 100%. I get and estimate $497.00 (new door strip and total repaint of door as paintless repair will not work)
anyway... state farm calls back and says opps.. door dings are colision, not comp, that if a vehicle stikes another vehicle, its colision weather your in the car or not. My agent proceeds to tell me it used to be comprehensive, but the industry changed years ago (time for me to shop for a new agent)
I ask him what options do I have to protect myself going forward... he tells me best they can do is a 100$ deductable vs my current 500 would cost me ~$50 a year more. I ask him if I keep getting door dings, and keep claiming them and since its a collision claim...wont I get dropped??
He says no, but underwriting will raise my premium...WTF, what good is insurance... anyway, damn straight... If i can prove some moron caused the ding, I will file a police report and have that pricks insurance go up!