Insurance vs. Out-of-Pocket for Comprehensive Claim
While parked in a lot, someone severely damaged my door—there’s a golf ball-sized paint transfer, a decent dent, and scuffed paint down to the metal in some spots. I definitely need to get this fixed.
I reached out to my insurance, where I have comprehensive coverage with a $100 deductible. However, the representative advised me to consider paying out of pocket, as there’s a strong chance my rates could significantly increase. Unfortunately, I’ve found conflicting information online about this.
Has anyone dealt with something similar?
I’m located in California, have already filed a police report, and my insurance is with AAA. I haven’t made any other claims.
Update: I’m really struggling to get a clear answer on this.
- My insurance’s 1-800 number said this is a comprehensive claim, likely to raise my rates.
- Online chat support claimed it’s a collision, which shouldn’t affect my rates, and since I have a police report, I probably won’t need to pay a deductible.
- An auto body shop indicated it’s a comprehensive claim and that my rates wouldn’t go up if it wasn’t my fault.
- My insurance agent mentioned that only the claims department can determine if it’s comprehensive or collision, but reassured me that my rates won’t increase.
I’m going to the local office tomorrow and will be staying there until I get a definitive answer.
It sounds like you’re in a bit of a frustrating situation dealing with conflicting information from different sources. Unfortunately, this is not uncommon when it comes to insurance claims, especially when trying to distinguish between comprehensive and collision coverage.
Here’s what you might consider doing:
Document Everything: Make sure you have all your documentation, including the police report and any photos of the damage. This can help clarify your case when you visit the insurance office.
Clarify Coverage Terms: Comprehensive coverage typically covers damages not related to a collision, such as theft or vandalism, while collision coverage involves damages from accidents involving other vehicles or objects. Since the damage resulted from a golf ball and not a vehicle collision, it sounds like it should be comprehensive. However, it’s worth double-checking your policy details to be sure.
Ask About Rate Increases: When you visit the local office, ask specifically about their policy concerning rate increases for comprehensive claims, especially since this incident wasn’t your fault. Policies can vary widely, and getting it from the claims department might give you clarity.
Consider Out-of-Pocket: If you’re worried about a rate increase, you might indeed want to consider paying out of pocket, especially if the repair costs are only slightly above your deductible. This could save you from potential hikes in your rates down the line.
Next Steps: If you find that you still can’t get a clear answer, consider reaching out to a consumer protection agency or your state’s insurance commission for guidance.
It’s good that you’re being proactive and seeking the answers you need. Hopefully, you’ll get clarity at your local office! Good luck!