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Coverage & Claims

If I scratched a rental car, can I pay for the paint repair out of pocket?

It's possible that going through the rental company for the repair will help you avoid a rate increase, but there is no guarantee that they won't notify your insurance provider. I would recommend looking into paying for the repairs yourself, but if the damage is extensive enough where you can't afford the cost then you'll have to file a claim.

Coverage & Claims

What do I do if an uninsured driver opens their door into mine and leaves a dent?

If you want the dent repaired and the other driver doesn't have insurance then you can ask him to pay you out of pocket for the damage. If not, you'll need to file a claim with your insurance provider.

Coverage & Claims

If a friend's car was keyed while at my house for a party, will he be able to file a claim?

It really will depend on whether your friend's auto insurance policy includes comprehensive coverage. Beyond that, the damage to the paint will have to be higher than his deductible before his insurance company will pay for anything.

Coverage & Claims

Should I file a claim to fix a chip in my windshield?

Each company handles glass repair a bit differently, so I would be cautious to assume you would not have to pay anything out of pocket. If your company is willing to cover the repair then it may be worth the claim.

Coverage & Claims

If someone keyed my car and I file a claim, will that make my insurance go up?

I would recommend getting a repair estimate first. This way you will have more information to base your decision on.

Coverage & Claims

Should I file a claim for a small scratch on my car?

The impact to your rate will depend on what caused the scratch on your vehicle. If you are filing a claim where your collision coverage would payout (i.e.
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