Insurance question: parking lot hit and run

[Xtrema]

Dad just got passenger door scratched at a parking lot. Hit and run, don't know who, no witness. The patch is about 1ft by 3ft, so most likely it's a bumper contact whoever parked next to him.

Doesn't look like it can be buff out and most likely a repaint. I would assume deductible applies here and won't count as at fault accident?

[Projek01]

You are correct sir. Deductible and no increases in premiums.

[osspasha]

I claimed a hit and run not long ago, TD waived my deductible. and premium didnt go up.

[Disoblige]

Claims history man, I claimed hit and runs before and my premiums rose :thumbsdow
This was during high school when I was hit twice in one year.

[clem24]

So.. Why don't you just CALL your insurance company and ask? And if you don't want to reveal your identity, just call the general number, tell them you're a client, and then ask instead of coming on here.

[Xtrema]

Originally posted by clem24
So.. Why don't you just CALL your insurance company and ask? And if you don't want to reveal your identity, just call the general number, tell them you're a client, and then ask instead of coming on here.

Hmmm, that's not a bad idea.

[littledan]

i claimed hit and run after I was literally hit and run by some maritime asshole from nova scotia in a big honkin dodge ram truck. guess what, my premiums went up. f'n TD meloche monnex.

[max_boost]

Chippy auto for spot repair?

[94boosted]

Originally posted by osspasha
I claimed a hit and run not long ago, TD waived my deductible. and premium didnt go up.

:werd: Same story here.

[Masked Bandit]

999 times out of 1000 a hit & run won't affect your rates. We have one smaller company that has an extra discount for absolutely no claims of any kind but on a $1000 auto policy the loss of that discount usually works out to about $25 a year. Hardly worth considering. The general rule is that hit & run won't affect your premiums.

[Disoblige]

I believe you should file a police report to be safe.
I think mine raised because I didn't file a police report. Didn't think it mattered back then and I wasn't even advised to :dunno:

[Hallowed_point]

Originally posted by littledan
i claimed hit and run after I was literally hit and run by some maritime asshole from nova scotia in a big honkin dodge ram truck. guess what, my premiums went up. f'n TD meloche monnex.

LOL..the "East Coast special" (RAM & a maritimes flag decal.)

That sucks, things like this make me really angry at the insurance world. It's their job to take the risk..

[lilmira]

I haven't experienced any hit and run. I haven't filed for any claim. I have no ticket. My rate went up. :nut:

[Xtrema]

Originally posted by lilmira
I haven't experienced any hit and run. I haven't filed for any claim. I have no ticket. My rate went up. :nut:

Too many douchbags are driving or stealing your car. It's the Civic factor.