I encountered something on the interstate at night, and I think I might have hit a suitcase or similar object. After inspecting the damage, it appears I have a damaged radiator and radiator support. I’m wondering if filing a claim with State Farm will significantly increase my insurance rates. I have a $500 deductible.
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I’m sorry to hear about your situation; that can be really stressful. When it comes to filing a claim with State Farm, it can depend on several factors including your claims history, the extent of the damages, and your state’s regulations. While it’s possible that a claim could raise your insurance rates, especially if it’s your first claim, it’s not a guarantee.
Since you have a $500 deductible, you’ll want to weigh the cost of the repairs against that deductible. If the damages are significantly more than your deductible, it might be worth filing a claim. Additionally, you might want to contact your insurance agent to discuss your specific situation and any potential impacts on your rates before making a decision. Always best to know all your options!