Quote:
Originally Posted by Dingle049
Don't file a claim through your insurance, the apartment complex should take care of that on their end. If they don't agree I would ask a lawyer, otherwise your rates will probably increase. I get a few different discounts for being accident free and claim free for an extended period of time and would lose them if I needed to use my insurance for anything other than glass replacement.
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That was what I thought, later on, when I started clearing my head! My first response was obviously Auto insurance and that's why I called them.
I made sure that they filed the claim under 'Comprehensive - falling objects' and not 'Collision'. Also, I pay extra for my car port. So that means I put my car there because 'I want to'. The apartment people might use that against me and tell me to contact my renters insurance (If that happens, I will them that I signed up for a fully functional carport and not a carport with rusted poles due to lack of maintenance). But I'm not sure if my renters insurance covers carports and parking lots.
I completely agree on the insurance rates going higher, but I hope it doesn't as it is filed under Falling objects and collision. Thanks for the info though!