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Auto Insurance Claims/car door scratch issue

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Expert: Bennie719 - 1/6/2008


Question
Hi Mr. Bennie
I have BMW and have full coverage with 500 deductible under GEICO. recently I scratched side of my car when I tried to get out my garage, and I bought the car to my auto shop and they estimate about 3000 dollars. and the guy told me that I should report the claim to GEICO and GEICO will pay for it and all I have to pay is the deductible. The guy also told me that my insurance premium will not go up. I'm not sure if he is right so I want to confirm with you. Thanks

Answer
Hi William,
To the best of my knowledge, GEICO will increase your rate for at least 3 years for having a fault accident.  Theat certainly should not deter you from filing a claim because the increase definitely will not be $2,500.  You will need to ask your own agent for the approximate size increase that you can expect.
Bennie

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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