Question
Who pays if a lawnmower threw a rock and dented my car?
I was at a gas station when a lawnmower threw up a rock that dented my car. However, they are not assuming responsibility. The damage is over $500. Will I be penalized if I file a claim with my insurance company?
Answer
Hello, Sorry to hear about your situation. If you do file a claim, be aware that it will impact your rates as a comprehensive claim. Comprehensive claims can impact your rate for up to three years. Before you file a claim, you should get an estimate for the damages and determine if it is worth filing a claim after you consider your deductible. For instance, if the damage is $700 and your deductible is $500, your policy would only pay $200. In this instance, it would not be worth filing a claim because the amount the insurance company would pay is likely less than what your rates would go up over the three years without the claim. Don't hesitate to reach out if any other questions arise.
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