insurance question - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

jarviz · 01-19-2014, 01:17 PM

Does reporting a hit and run affect our insurance rates? My front bumper and fender are dented in from a hit and run. I normally don't like getting insurance involved unless it's completely obvious it's not my fault, I wondering how would the insurance work in this case.

FnFast · 01-19-2014, 08:30 PM

Call them and see. You can "Open" a claim and never go through with it. I have done that before. Filed a Claim... waited a few months then decided to use my insurance to fix some repairs. Depends on your insurance carrier, I know Progressive gives a $500 limit until your rates go up.

AznBRZer · 01-19-2014, 09:48 PM

I've had quite a few claims and for Metlife, my rates have never gone up. The only shitty part is needing to pay the deductible. Good thing my deductible is only $300.

01-19-2014, 01:17 PM	#1
jarviz Senior Member Join Date: Jun 2012 Drives: Raven FRS MT Location: Queens, NY Posts: 965 Thanks: 76 Thanked 249 Times in 125 Posts Mentioned: 1 Post(s) Tagged: 1 Thread(s)	insurance question Does reporting a hit and run affect our insurance rates? My front bumper and fender are dented in from a hit and run. I normally don't like getting insurance involved unless it's completely obvious it's not my fault, I wondering how would the insurance work in this case.

01-19-2014, 08:30 PM	#2
FnFast Doctor Join Date: Aug 2012 Drives: Fast Location: Philadelphia Posts: 496 Thanks: 410 Thanked 203 Times in 126 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Call them and see. You can "Open" a claim and never go through with it. I have done that before. Filed a Claim... waited a few months then decided to use my insurance to fix some repairs. Depends on your insurance carrier, I know Progressive gives a $500 limit until your rates go up. __________________ Jeremy Clarkson "If you go though the Pearly Gates, backwards, in a fireball, that's a cool way to die!" 2013 White Pearl BRZ Limited 6MT - 15% Tint, Debadged, HIDPowerhouse LED Interiors and Dome

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01-19-2014, 09:48 PM	#3
AznBRZer Senior Member Join Date: Apr 2013 Drives: 16 CBS WRX Limited Location: Boston Posts: 1,147 Thanks: 947 Thanked 592 Times in 371 Posts Mentioned: 10 Post(s) Tagged: 1 Thread(s)	I've had quite a few claims and for Metlife, my rates have never gone up. The only shitty part is needing to pay the deductible. Good thing my deductible is only $300.

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