How should I go about fixing this dent/ going through insurance?
I was backing out of my drive way the other day and ran into a friends car…
My car (98′ Volvo S70) – Drivers side passenger door is dented. Its not a very deep dent at all but the area is big. The only paint chipped was less than a dime size so not a big deal. Also little to no scratches so not a problem.
Friends Car (98′ Low end Lexus) – No dent but bumper and part of body a little above bumper heavily scratched and good deal of paint loss.
My friends Dad wants to get their car fixed. I want to get my dent fixed as well. Should I go through insurance with a $500 deductible? I’m also a 21 year old guy who has had speeding tickets and went through insurance to get a previous car fixed about 4 years ago. If I don’t go through insurance does my dnet sound like I could fix it myself with a dent puller (suction cup method) or would I still have to bring it in somehwhere?
Well I paid for my speeding tickets myself. Also I know I won’t get dropped because my insurance agent is my uncle. I’m just curious if it would be worth it w/ my deductible and with my rates that could go up.
May 4th, 2010 at 6:35 pm
Since you already have speeding tickets, and you file 2 claims on your insurance for them to pay, look to have your policy canceled. Insurance companies do not want you to file claims against them that they have to pay. If you think this wrong, call your insurance company tomorrow and get the advice you need. You would do better having the friend`s car fixed out of pocket now and wait to have your`s fixed when you can fix it out of pocket. You can also have the friend`s car repaired using your insurance, but like I wrote, call the insurance company first so that you do not risk have your policy cancelled. Some dealers do have dent doctors that do remarkable work.
Yes, your premiums will go up usually 10%-25% when you file a claim. As for the speeding tickets you paid for yourself, that is how it is usually done. The insurance companies are notified by the DMV when you have been issued a ticket. That is why your premiums go up when you have received a speeding citation. You are a high risk driver due to speeding citations. As for your uncle being an insurance agent, if he doesn`t own the insurance company, the insurance company can cancel your policy without him having anything to say about it. Best to talk to him since you also have an accident that was filed 4 years ago. Accidents stay on your record for 5 years. This is public knowledge meaning anyone with an interest can get the information..