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E90/E91/E92/E93 (2006 - 2013)
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  #1  
Old 09-20-2012, 08:32 AM
Leekay07 Leekay07 is offline
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Here is a tip for you all. Its not always good to be honest with your insurance co.

I had a minor rolling bump with someone on a hill and I turned it into my insurance because I just wanted to be on the up and up. It seems that the person i bumped isnt claiming anything and my repairs only 685 which is 185 above my deductable so I was going to pay it. But my insurance tells me it is still a claim still sticks on your insurance be it none pay out or a paid out claim.

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  #2  
Old 09-20-2012, 08:38 AM
sunny5280 sunny5280 is offline
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Quote:
Originally Posted by Leekay07 View Post
I had a minor rolling bump with someone on a hill and I turned it into my insurance because I just wanted to be on the up and up. It seems that the person i bumped isnt claiming anything and my repairs only 685 which is 185 above my deductable so I was going to pay it. But my insurance tells me it is still a claim still sticks on your insurance be it none pay out or a paid out claim.

It's always good to be honest with your insurance company. Being dishonest can result in denial of a claim or coverage...possibly when you need it the most.

With that said I think what you were saying is it's not always wise to contact your insurance company for every incident. Unfortunately I have to agree with them on their reasoning. Did you speak with your insurance agent about this before filing?
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  #3  
Old 09-20-2012, 08:39 AM
Leekay07 Leekay07 is offline
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They was closed it was a saturday
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  #4  
Old 09-20-2012, 08:43 AM
sunny5280 sunny5280 is offline
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Originally Posted by Leekay07 View Post
They was closed it was a saturday
Bummer...my recommendation for any future, minor incidents is to hold off contacting the insurance company until you can speak with your agent about how to proceed.
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  #5  
Old 09-20-2012, 08:44 AM
Leekay07 Leekay07 is offline
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Yeah I called the agent but it went through to the insurance company
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  #6  
Old 09-20-2012, 09:36 AM
Tom K. Tom K. is offline
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If the other party is willing to accept your payment, why even contact your agent?

When someone backed into my Z4 a few years ago, they wrote their check directly to the body shop I chose. The repair was done to my satisfaction and to my knowledge, neither their insurance nor mine was involved.

Tom
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  #7  
Old 09-20-2012, 09:58 AM
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Coconutpete Coconutpete is offline
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You reported an accident to your insurance company ......... what the hell did you think was going to happen? That whey would bring you ice cream?

A claim is a claim even if "they was closed" when the incident occurred.
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  #8  
Old 09-20-2012, 10:13 AM
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Quote:
Originally Posted by Leekay07 View Post
I had a minor rolling bump with someone on a hill and I turned it into my insurance because I just wanted to be on the up and up. It seems that the person i bumped isnt claiming anything and my repairs only 685 which is 185 above my deductable so I was going to pay it. But my insurance tells me it is still a claim still sticks on your insurance be it none pay out or a paid out claim.

There was no reason AT ALL for you to tell your insurance company. That decision lies with the person whose property you damaged. It would have been perfectly acceptable to wait to see how much the repair estimate was before making a decision about whether to involve your insurance. You are under absolutely noobligation to inform your insurance company.
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  #9  
Old 09-20-2012, 10:21 AM
The X Men The X Men is offline
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The worst part is that now you will have a carfax history on your car.
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  #10  
Old 09-20-2012, 01:19 PM
matts335 matts335 is offline
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I think i will have to disagree with the majority here. I think you can cancel the claim. If they are not paying, they do not care. You should inquire further about that with your insurance company...speak to someone else.
Even if it isn't completely wiped from your records, if they are not paying it will never increase your rates, so what difference does it make?

And to the person who mentioned carfax.....come on, 90% of the time nothing shows up on carfax. Carfax is meaningless. I had two accidents on my previous car, yet carfax was clean.

Last edited by matts335; 09-20-2012 at 01:21 PM.
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  #11  
Old 09-20-2012, 01:21 PM
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The only insurance worth buying is liability. And that's because it is required by law.
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  #12  
Old 09-20-2012, 01:33 PM
sunny5280 sunny5280 is offline
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The only insurance worth buying is liability. And that's because it is required by law.
What leads you to this conclusion?
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  #13  
Old 09-20-2012, 01:35 PM
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Originally Posted by matts335 View Post
i think i will have to disagree with the majority here. I think you can cancel the claim. If they are not paying, they do not care. You should inquire further about that with your insurance company...speak to someone else.
+1
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  #14  
Old 09-20-2012, 01:40 PM
sunny5280 sunny5280 is offline
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Originally Posted by matts335 View Post
I think i will have to disagree with the majority here. I think you can cancel the claim. If they are not paying, they do not care. You should inquire further about that with your insurance company...speak to someone else.
They care in the same context as when you are first buying insurance and they ask "Have you had any accidents or tickets in the past x years". To them having an accident, whether they pay for it or not, means you're an increased risk.
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Old 09-20-2012, 02:23 PM
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Zooks527 Zooks527 is offline
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Quote:
Originally Posted by sunny5280 View Post
They care in the same context as when you are first buying insurance and they ask "Have you had any accidents or tickets in the past x years". To them having an accident, whether they pay for it or not, means you're an increased risk.
Way too general, and varies by state to the point that it's grossly wrong if you were to be referring to MA.

As an example, I was rear-ended on the highway this year as part of a 4 car sandwich when a woman in an SUV didn't realize that the 20 cars in front of her were stopped. She piled into line at 50+ mph. Her car was greatly damaged, the girl behind me was totaled, I got +/- $9k worth of damage, and the guy in front of me got a dent in his rear bumper. The car behind me was moved +/- 18' from point of impact, I was moved +/- 15', and the guy in front of me moved a few feet.

My insurance company paid nothing, nor did anyone else's except for the woman on the end. I retain my "99" state insurance rating, with full rebate for an excellent driving record. Being in the accident has and will have zero impact on my risk assessment and rates.
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Last edited by Zooks527; 09-20-2012 at 02:25 PM.
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  #16  
Old 09-20-2012, 02:35 PM
sunny5280 sunny5280 is offline
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Way too general, and varies by state to the point that it's grossly wrong if you were to be referring to MA.
When they ask "Have you had any accidents..." the implication being you were at fault.

Last edited by sunny5280; 09-20-2012 at 02:36 PM.
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  #17  
Old 09-20-2012, 02:47 PM
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Orient330iNYC Orient330iNYC is offline
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Quote:
Originally Posted by Leekay07 View Post
I had a minor rolling bump with someone on a hill and I turned it into my insurance because I just wanted to be on the up and up. It seems that the person i bumped isnt claiming anything and my repairs only 685 which is 185 above my deductable so I was going to pay it. But my insurance tells me it is still a claim still sticks on your insurance be it none pay out or a paid out claim.

depending on what the SOL is (in NY its 3 years) they can make a bodily injury claim or property damage claim against you at any point in the next 3 years.

if they do and you didnt report it to the insurance company, they could deny coverage and you would be personally responsible to defend yourself in court and for any possible judgements. your policy probably has a clause in it that says you must notify them within a certain amount of time of an incident or else they can deny coverage.


I was rear ended a few years ago, with a coworker and his wife in the car. even though the damage was light, i still called my insurance company and reported the incident to cover myself. i have a clean driving record, and reporting the incident did not raise my rates at all.
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Old 09-20-2012, 02:53 PM
sunny5280 sunny5280 is offline
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Originally Posted by Orient330iNYC View Post
I was rear ended a few years ago, with a coworker and his wife in the car. even though the damage was light, i still called my insurance company and reported the incident to cover myself. i have a clean driving record, and reporting the incident did not raise my rates at all.
Typically in a rear end accident the person who was rear ended is not at fault. Therefore reporting the accident to your insurance company is unlikely to affect your premiums. Contrast this to the OP who, according to his post, was at fault:

"It seems that the person i bumped..."
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  #19  
Old 09-20-2012, 03:05 PM
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Orient330iNYC Orient330iNYC is offline
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Originally Posted by sunny5280 View Post
Typically in a rear end accident the person who was rear ended is not at fault. Therefore reporting the accident to your insurance company is unlikely to affect your premiums. Contrast this to the OP who, according to his post, was at fault:

"It seems that the person i bumped..."
true.
in some ways its even more of a reason to notify his insurance... if he struck the other car, he is most likely at fault.

685 in damage to his car doesnt sound like a light tap, so he's not out of the woods just because they havent made a claim within a week. PI attorneys will tell clients to wait a while before filing a claim incase hidden injuries surface (i am not a PI attorney btw).
since he's notified his insurance company, he's covered (up to the limits of his policy)
if not, and they file a claim a year from now, he could be on his own.
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Old 09-20-2012, 03:44 PM
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tturedraider tturedraider is offline
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Originally Posted by Orient330iNYC View Post
true.
in some ways its even more of a reason to notify his insurance... if he struck the other car, he is most likely at fault.

685 in damage to his car doesnt sound like a light tap, so he's not out of the woods just because they havent made a claim within a week. PI attorneys will tell clients to wait a while before filing a claim incase hidden injuries surface (i am not a PI attorney btw).
since he's notified his insurance company, he's covered (up to the limits of his policy)
if not, and they file a claim a year from now, he could be on his own.
My dad got a rear end "bump" in his minivan recently. The insurance repair estimate was just under $600. It was a very small dent in the tailgate that can easily be removed with PDR. I was amazed the insurance company paid such a large amount. But, they can't tell him that they will only pay for PDR. They have to pay the cost of a full fledged body shop repair.

Still, there was no reason or requirement for the OP to notify his insurance company. That is entirely up to the party whose property was damaged. If for whatever reason that person never chose to file a claim that is entirely that person's decision. The OP had ZERO obligation, either moral or legal, to notify his insurance company ahead of time.
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Last edited by tturedraider; 09-20-2012 at 04:22 PM.
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Old 09-20-2012, 03:52 PM
fb88 fb88 is offline
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which insurance company?
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  #22  
Old 09-20-2012, 04:51 PM
BobBNY BobBNY is offline
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Originally Posted by Leekay07 View Post
I had a minor rolling bump with someone on a hill and I turned it into my insurance because I just wanted to be on the up and up. It seems that the person i bumped isnt claiming anything and my repairs only 685 which is 185 above my deductable so I was going to pay it. But my insurance tells me it is still a claim still sticks on your insurance be it none pay out or a paid out claim.

FYI, In a recent discussion with my Allstate agent she mentioned that Allstate no longer dings you if the total repair is under $1000. This was during a transfer from Geico to Allstate when I moved back to NY from MN. Not sure if this applies once one is a customer

BB

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Old 09-20-2012, 04:57 PM
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Orient330iNYC Orient330iNYC is offline
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Originally Posted by tturedraider View Post
Still, there was no reason or requirement for the OP to notify his insurance company. That is entirely up to the party whose property was damaged. If for whatever reason that person never chose to file a claim that is entirely that person's decision. The OP had ZERO obligation, either moral or legal, to notify his insurance company ahead of time.
i dont believe this is correct.
morally and in the sense of criminal law, no, but contractually he might be required to.

check your policy. as one of the conditions of coverage for mine (its actually condition #1, a section entitled "notice"), it states i MUST notify them as soon as possible. this is separate from the requirement to notify them of a claim or suit being brought against them.
it also very plainly states that "...the insured must fully comply with all the policy's terms and conditions" for it to be enforceable.

and the insurance companies will do pretty much ANYTHING to avoid paying out claims....

http://www.rawstory.com/rs/2012/08/1...womans-killer/
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Last edited by Orient330iNYC; 09-20-2012 at 05:01 PM.
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  #24  
Old 09-20-2012, 05:49 PM
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tturedraider tturedraider is offline
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Quote:
Originally Posted by Orient330iNYC View Post
i dont believe this is correct.
morally and in the sense of criminal law, no, but contractually he might be required to.

check your policy. as one of the conditions of coverage for mine (its actually condition #1, a section entitled "notice"), it states i MUST notify them as soon as possible. this is separate from the requirement to notify them of a claim or suit being brought against them.
it also very plainly states that "...the insured must fully comply with all the policy's terms and conditions" for it to be enforceable.

and the insurance companies will do pretty much ANYTHING to avoid paying out claims....

http://www.rawstory.com/rs/2012/08/1...womans-killer/
Insurance is a product. The customer has the right, without question, to decide whether he uses it. If he chooses not to use it they have no need or right to know about any damage of any kind he chooses to pay for out of his own pocket. Them's the facts.
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Last edited by tturedraider; 09-20-2012 at 05:54 PM.
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  #25  
Old 09-20-2012, 07:50 PM
sunny5280 sunny5280 is offline
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Originally Posted by tturedraider View Post
Insurance is a product. The customer has the right, without question, to decide whether he uses it. If he chooses not to use it they have no need or right to know about any damage of any kind he chooses to pay for out of his own pocket. Them's the facts.
They do not if there's a clause in their insurance contract which states they must notify the insurance company of any and all accidents. Failing to do so would be a breech of contract and, should the insurance company learn of an unreported accident, could be grounds to terminate it thus resulting in a non-payment of claims.
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