I ran over something on the interstate last night, and I think it might have been a suitcase. The damage I can see includes a damaged radiator and radiator support. If I file a claim with State Farm, will it significantly increase my insurance rates? I have a $500 deductible.
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Hitting something on the interstate can definitely be a stressful situation. Given that you have a damaged radiator and radiator support, it’s likely a good idea to file a claim with your insurance company, especially if the repairs will be costly.
As for whether filing a claim would significantly raise your rates with State Farm, it can vary based on factors like your driving history, the specifics of your policy, and how State Farm evaluates the incident. Generally, if the accident is deemed ‘not your fault,’ like hitting an object that was unexpectedly in the road, it might not impact your rates as much. However, if it’s considered an at-fault accident, you could see a rate increase.
Since you have a $500 deductible, it might be worth gathering estimates for the repairs. If the cost is significantly higher than your deductible, it could justify filing a claim despite the potential for a rate increase. It might also be wise to contact State Farm directly for advice tailored to your situation. They can provide insight into how a claim might affect your premiums.