Car Insurance Costs
General Insurance

Can I get accident forgiveness after an accident?

I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.

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Insurance Companies

Does State Farm match auto insurance quotes with other companies?

In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.

Coverage & Claims

Will a hit and run impact my car insurance premium in CA?

Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.

Coverage & Claims

Will Geico increase my rates if I file a windshield claim?

This can be a tricky question to answer. How a claim will impact your rate is specific to the coverage and company you have.

Coverage & Claims

Statute of limitations to file a claim with Geico in Vermont

Each company has different requirements, but Vermont requires that you file a claim within three years of the incident. Most companies require you to report any incident (whether you file a claim or not) as soon as possible.

Coverage & Claims
Eligibility

Are some insurance providers better suited to my needs than others to get the best rate?

Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.

Coverage & Claims

I have two not at-fault accidents

Because this is another driver's fault, you would be handling the claim through their claim's department. I recommend getting an estimate from a shop you trust and have read reviews for in order to compare the estimates.

Coverage & Claims

Can someone file a claim if it’s been 4 days and there are no pictures from the accident?

The statute of limitations for property damage claims in Oklahoma is 2 years. So, yes she can.

Eligibility

Are deductibles company specific?

While they are some company-specific deductibles, the standard ones are $500 and $1000. So it's unlikely you won't be able to get the desired amount for your collision or comprehensive deductible.

General Insurance

My insurance went up because the state changed it's legislation?

It looks like the state's website has not been updated because GEICO is correct, the state of Nevada did raise their state minimum from 15/30/10 to 25/50/20. Because insurance companies are at the mercy of state regulation, it would be illegal for them not to comply.

Coverage & Claims
General Insurance

Insurance increase due to increased cost of parts and labor?

There's a couple of things to look at here. First, parts and labor for BMWs are typically higher than other vehicles and are considered more expensive in general to maintain.
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