Coverage & Claims

Should I file a claim after hitting a tire in the road?

Thank you for the question. I would avoid filing a claim unless the damage is severe.

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Coverage & Claims

Was I right to file a claim with my insurance when I was not at fault? Will my premiums go up?

Sorry to hear about the accident. I do think you made the right decision in filing a claim for your damages.

Motorcycle Insurance

Should I contact my insurance if I don't intend to file motorcycle insurance claim after an accident?

Sorry to hear about the accident, but glad you're alright. If the police filed a report then it's likely that your insurance company will find out about the accident at some point.

Coverage & Claims

Should I file a claim if I got hit and am not at fault but settled for an amount less than I actually need?

Hello, My advice would be to contact your insurance company. They can begin negotiations and work on your behalf to get your vehicle back to its pre-accident state.

Coverage & Claims

I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?

I would not file a claim. With your $500 deductible, your insurance company would pay out $1100 for the damages — but in California, your premium could also increase by 42% over three years if you're cited for an at-fault collision (which this would be considered as).

Coverage & Claims

If I hit a rental car, can I pay the damages out of pocket?

In this particular instance, it really depends on how the rental car company wants to handle the situation. I would recommend contacting the rental company to see what options you have.

Coverage & Claims

If I pay the other driver's insurance, will it impact my driving record?

Since the car insurance companies are involved it is highly likely that it will be listed on your CLUE report and impact your insurance premium. You should contact your insurance company and let them handle the claim since it will likely be reported either way.

Coverage & Claims

Garage doors damaged

Only file a claim if the damages are so bad that you couldn't pay out of pocket to get the car and garage fixed. If you file a claim, you will get stuck with an at fault accident on your record for 3 years.

General Insurance

At-fault wants to pay for damage he caused out of pocket

This can be a tricky situation. Usually, someone will try to avoid insurance companies for two reasons; they either don't have any insurance or they want to avoid their rates going up.

Coverage & Claims

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.

Coverage & Claims

Should I file an insurance claim?

Here are a few things to consider: You have up to 2 years in Hawaii to file a property damage claim with your insurance provider. It's always best to file a claim as quickly as possible so your insurance company can best assess the damage on your vehicle, however you technically can file a claim up to 2 years from the date of the damage. Since the damage on your car came from 2 different incidents you will be required to file 2 claims and pay 2 different deductibles.
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