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Auto Insurance Claims/should i file an insurance claim

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Expert: - 1/7/2011


Question
I was making a left turn and hit a slick spot and slid and bumped into the curb and damaged the front passenger wheel/rim. The rim is around 800 dollars not including labor.

Answer
Hi Jay,

You should have the suspension of the vehicle checked out to be sure there was no other damage. If no other damage exists, you should not file a claim. Any claim would be subject to your deductible. So if you have a $500.00 decustible the insurance comapny will only pay $300.00 and you would pay the balance. Then the insurance company would consider this to be an at-fault event and would increase your rates for the next 3 years.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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