Seeking Advice on a Claim
Hi everyone! This morning while I was driving, a tree unexpectedly fell and landed on my car, and I also collided with it.
Initially, my insurance company classified the incident as a collision, which comes with a $500 deductible. However, I was concerned that this could lead to higher premiums in the future. After discussing it with the appraiser, they were able to change the classification to comprehensive coverage, which has a $1000 deductible. I know I just increased my out-of-pocket cost by $500, but I’m wondering if this could be a smarter choice in terms of keeping my premiums lower in the long run.
I appreciate any insights or advice you can offer. Thank you!
It sounds like you’re navigating a tricky situation! Switching your claim from collision to comprehensive might be a smart move, especially if you’re concerned about how it could impact your premiums. Claims filed under comprehensive coverage typically don’t affect your rates as much as collision claims do, since they’re often related to incidents outside your control, like falling trees.
Yes, it’s unfortunate that you’ll have a higher deductible up front, but if it helps you avoid a significant increase in your insurance premiums, it could be worth it in the long run. Just make sure to keep track of how this impacts your rates when it’s time to renew your policy, and consider discussing it further with your insurer if you have additional concerns. Hopefully, you can get your vehicle repaired without too much hassle! Good luck!