saturn_one

ok, I hit a bimmer(X5 2003) from behind and it was all my fault!
he had to change all his bummper and two mufflers! total of allmost $7000, so the insurance paid for it! I had full coverage with $500 deductable!

WHY my Insurance didn't go up!
why didn't I have to pay $500?????
again, WHY my Insurance didn't go up!

imported_05CivicSi

give it time...it probably will go up

Insuranceman

Did you claim for damage? If you did, you should have paid ... not sure why - He claim through his insurance company and you through yours - So he wouldn't have paid and if you did, you should have paid and your insurance shoud go up on renewal

cibs

lol it seems like you're complaining!! run with it as long as you can cuz insurance companies never mess up when you owe them money... just when they owe you money...

Insuranceman

actually the deductible is paid to the shop who does the repairs, not the insurance company

cibs

yeah, cuz it's like they'll pay for all but $500 of the damage.... so if you have a $500 deductible and it's $7000 damage you give the shop 500 and they'll give the shop the other 6500... but I know some shops that will pay your deductible for you.... seems like a good deal to me!

saturn_one

well they took theire car to the BMW dealer and the dealer and I don't even know which dealer it is!
and as of my car I paid for all the repair so my insurance didn't even pay a penny for my car!

Insuranceman

well, theirs your answer .....if you had submit a claim for your own vehicle you would have paid a deductible for your damage - your company only covers your damage, not the BMW'- that is covered through his company, and since your at fault, he did not pay a deductible ...... Does your company know about the accident? If so, get ready to bend over ....

saturn_one

my agant told me that since we are not paying off for your car my rates aren;t gonna go up! is that true?
who about after I renew my policy?

Insuranceman

If your company doesn't know about it then your rates will not change, if they do know about it...like i said, bend over ...... (although I have no idea of you age, and driving record, so it may not effect you at all)

saturn_one

but she said since we arent paying for your car yor rates arn't gonna go up!

Insuranceman

then I guess they won't ..... Who's she? your broker? Underwriter? Claims Rep? Did you report the claim to your company? who's your company?

saturn_one

she is my broker and. I didn't tell anyone! she called me and asked about the acident and I confirmd it! and i'm with statefarm and for my age and record 19yrs and getting my G soon! one speeding ticket (17Km over) which have to go to court for!(57KM in 40 Zone!)

Insuranceman

If statefarm doesn't know, then your rates won't be effected

saturn_one

when my agent knows doesn't it mean that statefarm knows too?because I know that she knows!

Insuranceman

Your agent would have to report it to State Farm claims .... obviously she hasn't if State Farm claims has not contacted you

saturn_one

The only person form state farm that I've ever talked to was my agent(I think)

so aren;t they gonna find out at somepoint?

Insuranceman

Was their a police report?

saturn_one

yes there was!

Insuranceman

then they probably will find out .... sorry