Insurance question - ZR-1 Net Registry Forums

Kevin · 04-08-2013

Came home from carlise to find someone backs into my mustang and drove away. No body damage but te bumper is scuffed down to the urathane. Now my question is....other then the manner of torture to the person who did it...will my rates go up if I turn it into my insurance company?

BigJohn · 04-08-2013

Check your real bumper under it's damaged cover.(most people don't!)
You may have more damage than you think.
Good luck!

Kevin · 04-08-2013

Thanks John ill do that. I was thinking of turning it into insirace but I don't want my rates to go up

efnfast · 04-08-2013

Seems like the game Kevin, put in a claim and your rates go up enought to cover it after a couple years. Then they cancel you because you're a bad risk.

FU · 04-08-2013

Any claim that you put in go's on the insurance record. Any.

Kevin · 04-08-2013

Was hoping that wouldn't be the case since the car was parked. But I ha a feeling it would end up goin up.

jimmy b. · 04-08-2013

Not only will it go up, like Frank said there will be a report and it will be sent to all the car fax agency's. And if you just make a police report only they will also somehow make it available to these agency's too. It happened to me with my pick up truck. My wheel fell off(long story) on my wife in the Lowes parking lot. Made a police report just in case I might need it later on. Truck was new but Chevy wouldn't cover it (long story). So just so my insurance wouldn't go up I fixed it myself. Fast forward 8 years to the present I went to get a trade in price on a new vehicle and lo and behold a "hit" on car fax came up. It was the police report which stated I collided with something. I never got that report to even know the police stated the wrong incident. So if the police are involved GET the report and check it for accuracy!

Also it was nice to meet you and your dad, I had a great time...jimmyb

Kevin · 04-08-2013

it was great meeting you too Jimmy, we both had a great time. I'm not worried about car fax on this car, it's a 99 gt that I got as a highschool graduation gift. I'm not selling it. I'm not even mad the car got hit, I'm just pissed off that i have to pay to fix someones mistake

04-08-2013	#1
Kevin Join Date: Jun 2005 Location: pittsburgh Posts: 4,633	Insurance question Came home from carlise to find someone backs into my mustang and drove away. No body damage but te bumper is scuffed down to the urathane. Now my question is....other then the manner of torture to the person who did it...will my rates go up if I turn it into my insurance company? __________________ It's not the car, it's the people - Doug Johnson 90 r/r "KEYS ON" nick named "T.L.B"

04-08-2013	#2
BigJohn Join Date: Feb 2012 Location: Ledyard,CT Posts: 8,135	Re: Insurance question Check your real bumper under it's damaged cover.(most people don't!) You may have more damage than you think. Good luck!

04-08-2013	#3
Kevin Join Date: Jun 2005 Location: pittsburgh Posts: 4,633	Re: Insurance question Thanks John ill do that. I was thinking of turning it into insirace but I don't want my rates to go up __________________ It's not the car, it's the people - Doug Johnson 90 r/r "KEYS ON" nick named "T.L.B"

04-08-2013	#4
efnfast Join Date: Nov 2011 Location: Dunbarton NH Posts: 7,374	Re: Insurance question Seems like the game Kevin, put in a claim and your rates go up enought to cover it after a couple years. Then they cancel you because you're a bad risk.

04-08-2013	#5
FU Join Date: Mar 2004 Location: Found Member Posts: 4,346	Re: Insurance question Any claim that you put in go's on the insurance record. Any. __________________ Frank Urbo. NCM Lifetime member # 982 Registry Founding # 237

04-08-2013	#6
Kevin Join Date: Jun 2005 Location: pittsburgh Posts: 4,633	Re: Insurance question Was hoping that wouldn't be the case since the car was parked. But I ha a feeling it would end up goin up. __________________ It's not the car, it's the people - Doug Johnson 90 r/r "KEYS ON" nick named "T.L.B"

04-08-2013	#7
jimmy b. Join Date: Jan 2012 Location: New Jersey Posts: 308	Re: Insurance question Not only will it go up, like Frank said there will be a report and it will be sent to all the car fax agency's. And if you just make a police report only they will also somehow make it available to these agency's too. It happened to me with my pick up truck. My wheel fell off(long story) on my wife in the Lowes parking lot. Made a police report just in case I might need it later on. Truck was new but Chevy wouldn't cover it (long story). So just so my insurance wouldn't go up I fixed it myself. Fast forward 8 years to the present I went to get a trade in price on a new vehicle and lo and behold a "hit" on car fax came up. It was the police report which stated I collided with something. I never got that report to even know the police stated the wrong incident. So if the police are involved GET the report and check it for accuracy! Also it was nice to meet you and your dad, I had a great time...jimmyb

04-08-2013	#8
Kevin Join Date: Jun 2005 Location: pittsburgh Posts: 4,633	Re: Insurance question it was great meeting you too Jimmy, we both had a great time. I'm not worried about car fax on this car, it's a 99 gt that I got as a highschool graduation gift. I'm not selling it. I'm not even mad the car got hit, I'm just pissed off that i have to pay to fix someones mistake __________________ It's not the car, it's the people - Doug Johnson 90 r/r "KEYS ON" nick named "T.L.B"