If you put it on your ins, you will pay for it in the long run. Your ins rates will go up.
Not true.
All insurance is based on pure risk, and that risk is spread out over everyone who is insured by that perticular company.
Just because you file a claim doesn't mean your rates will increase, unless you,
personally, become more of a risk than others in that group.
Things, like the photo above, happen. People get cracked windshields, hit birds & deer, hailstorms happen, and back out of their garages without raising the door first. All are covered claims. Most all will never cause your rates to increase. THAT is the reason people have insurance to begin with. The only bummer is that some people choose high deductables ($500 or $1000) because that insurance is cheaper. Most all states require at least $25,000 for liability coverage in case you injure someone else.
Being a greater
personal risk, ie: DWI's, getting 3 or more moving violations in less than 2 years, or reckless driving WILL cause your rates to go up. If it's severe enough (like the ones I mentioned) you just might get that 30 day cancellation notice in the mail from the company. Accidents (where you are at fault and get the ticket) can cause your rates to go up depending on the severity...and that's even exasserbated if it's associated with something like running a red light or if you were intoxicated or driving recklessly at the time.
There are some companies that offer an initial "cheaper" rate (like Geico), and then increase the rates after the first year on
everyone in that age group or geographical group. It's not personal...it's just that companies cannot discriminate. If they do it to one--they have to do it to everyone in that perticular "group" (age group, for example).
Having no accidents (where you are at fault) and not getting moving violations as you grow older WILL see your rates steadily decline...whether you break a window getting your lawn mower fixed or the kid next door knocks a baseball into your hood not withstanding.
If the original poster files his claim, his rates will not go up. He'll fork out the first $250 and his company will pay the rest.
ROX
(licenced agent)
