Two No-Fault Claims in One Year
Hey everyone!
I’m curious about how much I can expect my insurance premiums to increase after filing a no-fault claim for hitting a pothole this past weekend. Unfortunately, a similar incident occurred around this time last year (curse that Midwest springtime and my low-sitting car!). Both times, the shocks on the passenger side were damaged.
I’m a bit anxious about potential rate hikes. Has anyone else experienced something similar?
Here are the details: I’m with Geico and have been on my current plan for just under a year. I’m 22 years old and drive a 2012 Hyundai. My rates are already pretty high due to my age and vehicle, but my safe driving and student discounts help bring it down to $150 a month.
Thanks for any insights you can share! Guess I’ll be avoiding spring driving from now on!
Hi there!
I can totally understand your concern about how two not-at-fault claims might impact your insurance rates, especially at your age. Unfortunately, even no-fault claims can sometimes lead to an increase in premiums, but it varies depending on the insurer and individual circumstances.
Since you’ve already been with Geico for less than a year, they’ll likely take a look at your overall driving history, including that you have a safe driving record and any discounts you’re eligible for, like the student discount. It’s good to keep in mind that some companies are more lenient with no-fault claims than others.
To get a better idea of what to expect, you might want to reach out directly to Geico for a quote or to clarify their policies regarding multiple no-fault claims. That way, you can avoid any surprises when your renewal comes up. Additionally, consider maintaining a good credit score and continuously looking for any new discounts, as those can help keep your rates down.
Hopefully, your rates won’t take a big hit, and you’ll be able to navigate those pesky spring potholes safely in the future! Good luck!