Hello,
My wife hit the parking fence in the apartment complex. We used the insurance to pay for the repairs, which came to $475.
So far, I have not scheduled any appointment with the insurance company to have the damage to our own car (and the child seat) assessed. The child seat would need to be replaced (~ $300), and the (paint) damage to the car would likely be in excess of a few hundred dollars, based on my own past experiences.
Given the above, should I even consider taking it for assessment, considering the likelihood of surcharge being applied to the premium later on ? The insurance rep said the surcharge would be applied if the total costs for "all" repairs (to parking fence, and to my own vehicle+car seat, etc) > 1000.
I am okay with not having the repair to the paint done for my vehicle. Although I would very likely replace the car seat still. My collision and comprehensive deductibles are $ 250 each.
Finally, is it "risky" to take it just for inspection, even if I decline the repairs ? Would the insurance company still make a note of the total damage, and apply a surcharge ?
Thank you.
My wife hit the parking fence in the apartment complex. We used the insurance to pay for the repairs, which came to $475.
So far, I have not scheduled any appointment with the insurance company to have the damage to our own car (and the child seat) assessed. The child seat would need to be replaced (~ $300), and the (paint) damage to the car would likely be in excess of a few hundred dollars, based on my own past experiences.
Given the above, should I even consider taking it for assessment, considering the likelihood of surcharge being applied to the premium later on ? The insurance rep said the surcharge would be applied if the total costs for "all" repairs (to parking fence, and to my own vehicle+car seat, etc) > 1000.
I am okay with not having the repair to the paint done for my vehicle. Although I would very likely replace the car seat still. My collision and comprehensive deductibles are $ 250 each.
Finally, is it "risky" to take it just for inspection, even if I decline the repairs ? Would the insurance company still make a note of the total damage, and apply a surcharge ?
Thank you.
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